There are two common ways to structure a group health insurance plan: fully insured and self-insured (or self funded). So, what is the difference between a fully-insured and self-funded plan? A fully-insured health plan is the more traditional way to structure employer plans.  Most people are familiar with how they work however, here is a…

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Employees demand choice, flexibility and affordability when making choices for health insurance.   In order to meet that need,  employers now have a unique and exciting opportunity to offer a package of both Anthem and Kaiser plans together to their employees.  Gold and Silver Anthem and Kaiser plans are being bundled together in one “package”…

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The impact of the Affordable Care Act (ACA) to individuals and families: The Affordable Care Act was passed into law on March 23, 2010. The provisions of the law are being rolled out over a number of years. Right Now is a Great Time to Shop for a plan. Avoid tax penalties and take advantage…

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