Simply Insurance

JUNE 3, 2025

Well, here’s the thing: Figuring out how your homeowners insurance deductible works isn’t complicated and it almost works like any other deductible. They both work the same way in that you have to pay them before the insurance company pays out the remainder of a claim. If you choose a higher deductible, your premiums will be lower.

Deductible

AMAXX

JULY 30, 2025

Imagine this: One injured employee stays out of work for 35 extra days. At an average indemnity cost of $250/day, plus $3,000 for replacement labor, the total out-of-pocket cost is $11,750. Multiply that by several injuries—and you’ll see how quickly those numbers can spiral out of control. Seems manageable, right?

Workers Comp

PSM Brokerage

JANUARY 22, 2025

As an agent, broker, or web-broker, you are tasked with connecting individuals and families with the health insurance they need, all while adhering to strict compliance guidelines. Fair Competition: Compliance creates a level playing field for agents and brokers. Adherence to Marketplace branding and logo use rules.

Agents

Healthinsurance.org

MARCH 13, 2025

This will make it particularly important for enrollees to pay close attention to communications they get from their plan and the Marketplace before and during open enrollment, to ensure that there are no unwelcome surprises regarding their coverage or premiums in January. 1 through Dec. in all states. 1 through Dec. in all states.

Premium

Simply Insurance

JUNE 18, 2025

You pay a monthly premium, and in return, the insurance company provides a death benefit to your beneficiaries upon your passing. Generally, premiums are affordable, making it an attractive option for those on a budget. This can include funeral services, burial or cremation costs, and other related expenses. Agents not required.

Life Insurance

Simply Insurance

JUNE 20, 2025

Get affordable rates, coverage options, and expert tips to save—get free quotes now! And with some 40.1% of California residents being pet parents , finding the best pet insurance in California has never been easier. Well cover the average cost of pet insurance in California , and show you how to get free pet insurance quotes online.

Insurance Quotes

Simply Insurance

JUNE 15, 2025

Using savings for long-term care also comes with the inherent risk of running out of funds. Share 0 Share 0 By Licensed Agent: Sa El P ublished : June 15, 2025 Updated : June 17, 2025 IN THIS ARTICLE Heading 2 Example Heading 2 Example Getting older is inevitable; however, lacking the financial means for long-term care isnt. Lets have a look.

Insurance Quotes

Healthinsurance.org

JULY 10, 2025

The first wave of changes – effective August 25, 2025 4 changes effective for enrollment in 2026 health plans Changes effective for enrollment in 2027 health plans Why are some of the rule’s changes temporary? 2 The proposed rule drew more than 26,000 public comments. Other provisions are applicable for the 2026 plan year or the 2027 plan year.

Out-Of-Pocket

Healthinsurance.org

JULY 18, 2025

4 The Biden administration’s rule included provisions such as eliminating in-person eligibility interviews for people with disabilities and those 65 or older, changes to ensure that fewer people would lose coverage due to undeliverable mail, and a ban on lock-out periods for children disenrolled from CHIP for failure to pay premiums.

Out-Of-Pocket

Healthinsurance.org

DECEMBER 3, 2024

Delayed enrollment might mean missing out on free money. Or you might have opted to buy ACA-compliant coverage outside the exchange , if you weren’t eligible for premium tax credits (subsidies) the last time you looked. The premium that your insurer charges is likely changing for 2025. Letting your plan auto-renew?

Out-Of-Pocket Expense

Healthinsurance.org

OCTOBER 16, 2024

State-funded health insurance subsidies change in several states In addition to the ACA’s federal premium subsidies and cost-sharing reductions, several states offer additional state-funded subsidies that further offset enrollees’ premiums, out-of-pocket costs, or both. 4 For 2025, the program is expanding.

Premium

Smart Insurance Agents

OCTOBER 16, 2024

A medical health insurance broker helps you choose the best health insurance plan tailored to your needs. Unlike agents tied to one insurer, brokers work with multiple companies to give you unbiased options. This article will explain how brokers operate, the benefits of using one, and how to find the right broker for you.

Insurance Broker

Smart Insurance Agents

SEPTEMBER 28, 2024

A broker for medical insurance can simplify the process. In this article, we’ll explain the benefits of using a broker, how to find a reliable one, and key questions you should ask. This guidance is particularly valuable as brokers have a legal obligation in many states to assist clients in finding the most appropriate insurance plans.

Broker

Smart Insurance Agents

DECEMBER 9, 2024

Affordable Premiums: Short Term Health Insurance Plans typically offer more affordable premiums compared to long-term health insurance plans. Short Term Health Insurance Illinois: No longer available as of January 1, 2025. They can use the Find Local Help tool on GetCoveredIllinois.gov to find our navigators in their area.

Out-Of-Pocket

Jackson & Jackson

APRIL 29, 2024

Increase Your Deductible Increasing your deductible is one of the simplest ways to lower your insurance premiums. This means you will pay more out of pocket in case of a claim, but your monthly or annual insurance costs will be lower. Ensure the broker is well-connected with multiple insurers to get various quotes.

Commercial Property

Ease

FEBRUARY 21, 2023

Annual benchmarking and trend report shows smallest businesses see biggest medical premium increases SAN FRANCISCO, Feb. 21, 2023 – Ease®, a leading HR and benefits software solution for small- and medium-sized businesses (SMBs), insurance brokers, and insurance carriers, today released the 2023 SMB Benefits and Employee Insights Report.

Premium

Healthinsurance.org

MAY 20, 2024

The story was first reported in early April 2024 by Julie Appleby, and CMS subsequently released a statement, acknowledging the problem and noting that the agency is “ taking swift actions to protect consumers from unauthorized activity by agents and brokers.” What should consumers do?

Broker-Agent

Zywave

OCTOBER 25, 2024

Everyone wants to make sure they’re getting the most out of every dollar. If you can offer your clients simple ways to save money and explain cost drivers affecting their premium while strategizing solutions for bringing those costs down, you’ll prove your value and secure more renewals. 2. Ultimately, that’s the bottom line.

Out-Of-Pocket

Healthinsurance.org

APRIL 25, 2024

2 And thanks to federal legislation, the American Rescue Plan (ARP), that enhanced ACA premium subsidy eligibility for millions of consumers, you’re more likely than ever to find Marketplace coverage that’s subsidized – and you won’t have to wait for the next annual open enrollment period to enroll if you’re eligible for a SEP. (To

Out-Of-Pocket

Healthinsurance.org

JANUARY 2, 2024

Each type of managed care limits, to varying degrees, the number of providers from which a patient can choose, whether the patient has to use a primary care physician, and whether out-of-network care is covered under the plan. And why do health plans have managed care designations? 5 (Medicare Advantage plans are managed care plans.

Out-Of-Pocket

Ease

MARCH 9, 2023

Take a deep dive into plan adoption rates, rising medical premiums, and the power of voluntary benefits for the new year. Every year, there is a new group of Gen-Z employees aging out of their parent’s insurance and they’re opting for the most affordable plan. And we’ve got just the right tool to help you through it.

Out-Of-Pocket

Protect Commercial Insurance

JULY 26, 2024

In this article, we will provide you with four essential tips to help you understand your coverage needs, find the best rates, review and update your policy regularly, and work with an experienced insurance broker. Insurance premiums can vary significantly between providers, so it’s essential to compare quotes from multiple insurers.

Commercial

Triple-I: Homeowners Insurance

DECEMBER 3, 2024

Louisiana Insurance Commissioner Tim Temple – a self-described “unicorn” among insurance regulators, given his decades-long background in the industry as an agent, broker, and company president – even renamed programs to address “legal system abuse” when he assumed office in January. Clear communication is key, the participants agreed.

Out-Of-Pocket

Jackson & Jackson

APRIL 10, 2024

Assessing the Value of Your Property Accurately The value of your property directly affects your insurance premiums and the amount you’ll be compensated in case of a claim. Here are five critical considerations you should keep in mind regarding insurance when buying or investing in commercial property.

Commercial Property

Property Insurance Centre

SEPTEMBER 25, 2024

This might seem like an advantage since this saves cost initially, though it might lead to high premium costs later on. It is important not to rely only on the words that a broker tells you, try to read all the details. This way you can avoid situations where you end up finding out what you are not being covered for.

Building

Jackson & Jackson

APRIL 28, 2024

This often happens when trying to save on premiums. However, in the event of a claim, this can lead to substantial out-of-pocket expenses due to insufficient coverage limits. Work with a reputable insurance broker who understands the unique needs of property investors.

Business Interruption

Word & Brown

NOVEMBER 7, 2024

Here are seven proven techniques to help you close more sales as a health insurance agent or broker. Sell the value Make sure you talk with your customer about what makes the product you’re recommending a better choice for their specific situation, as compared to something from another carrier (or another broker).

Out-Of-Pocket

Smart Insurance Agents

AUGUST 19, 2024

Some plans also help with bigger dental work, like dentures or implants, but these might cost more in premiums. Recent changes to Medicare regulations have expanded the definition of covered dental services, allowing more dental procedures related to critical medical conditions to be eligible for coverage.

Out-Of-Pocket

Smart Insurance Agents

JANUARY 11, 2025

The Importance of Small Business Health Insurance in Texas: Protecting Your Employees and Bottom Line As a small business owner in Texas , you know that taking care of your employees is a top priority. One way to do that is by providing health insurance coverage. One of the primary advantages is that it enhances employee well-being.

Insurer

Smart Insurance Agents

AUGUST 29, 2024

Offering health insurance enhances employee retention, attracts top talent, and can lead to financial advantages and reduced workplace absenteeism. Through HealthCare.gov, business owners can explore various health insurance choices tailored to their specific needs. Small business health insurance addresses the unique needs of small enterprises.

Deductible

Jackson & Jackson

MAY 22, 2024

In the event of a loss, property owners with insufficient insurance may face significant out-of-pocket expenses or, in some cases, the loss of the property altogether. Multi-unit commercial properties in California offer investors the potential for significant returns. However, with great opportunities come great risks.

Property Insurance

Healthinsurance.org

JUNE 5, 2024

A finalized federal rule announced by the Departments of Treasury, Health and Human Services, and Labor on March 28, will impose new nationwide duration limits on short-term limited duration insurance (STLDI) plans. the federal-level consumer protections for STLDI enrollees are limited. STLDI plans sold on or after Sept.

Policy

PSM Brokerage

NOVEMBER 26, 2024

This proposed rule includes more policies to remove unnecessary barriers to care stemming from the use of inappropriate prior authorization by clarifying requirements for plan use of internal coverage criteria and proposing guardrails for the use of artificial intelligence (AI) to protect access to health services.

Policy

Word & Brown

JANUARY 23, 2025

The premium tax credits available to individuals and families through the ACA help make insurance more affordable for millions of Americans. That represented about 15-17% of the nations population. While that sounds like a substantial number, it actually was down from 43.9 million uninsured Americans in 1998. had risen to 48.2 of Americans.

Out-Of-Pocket

Healthinsurance.org

MAY 28, 2025

7 (If its a group plan through their spouses employer, pre-tax QSEHRA reimbursement is likely not available, because group premiums are typically already paid with pre-tax dollars.) 8 Can out-of-pocket medical expenses be reimbursed? 8 Can out-of-pocket medical expenses be reimbursed?

Out-Of-Pocket

Distinguished

JUNE 2, 2025

Our specialized landlord insurance programs are designed to protect Ohio property owners against the specific risks they face and help brokers deliver tailored, reliable coverage to their clients. Why Ohio Landlords Need Specialized Insurance Understanding real-world claims helps brokers convey the true value of landlord insurance.

Liability

Distinguished

MARCH 25, 2025

In short, their value is highly subjective and requires expertise and connections beyond most insurance agents or brokers. This deal shows that these ducks arent just hunting tools anymore theyre priceless examples of American folk art, commanding prices that rival luxury cars. However, not all antique duck decoys are worth six figures.

Deductible