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How to Advise Your Individual Plan Customers 
What to advise your clients ….? Look no further than the recently posted CEO Corner, where EBRM’s Jeff Kubik shares four recommendations to brokers on how to effectively market and service their Individual Health Insurance clients.

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  Be sure to read EBRM®’s timely

CEO's Corner article



Actual Impact of
Patient Protection and Affordable Care Act (PPACA)


PPACA AND CHILD ONLY POLICIES

The impact of PPACA is being felt by businesses large and small as the new regulations have left your clients with fewer health insurance choices and significantly higher health insurance rates.

The most current example of how PPACA is influencing health insurance coverage is the loss of affordable child only policies in the state of Illinois.

Health insurance carriers have been advised the PPACA Law requires that any insurance company which offers affordable stand alone children’s health care polices will be required to issue these policies regardless of the child’s health. This is the equivalent of the Federal Government requiring auto insures to insure new drivers retroactively after they crash their car.

Every major health insurance carrier in the state is withdrawing their Child Only policies from the market. Any carrier that remains or re-enters the Child Only market will do so with a substantially more costly product.

In essence, PPACA has destroyed this affordable product for families to cover their children.

It is important that your clients be informed of the true consequences of this ill-conceived legislation.


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