Posts by admin_phs
Nine Insurers Are Leaving ACA Marketplaces in 2027: What Agents Should Tell Affected Clients
Nine insurers have announced they will leave ACA Marketplaces for 2027, either entirely or in selected states, according to KFF’s insurer-participation tracker…
73% of Small Employers May Drop Group Health Coverage in 2027: What Agents Should Tell Their Clients
Nearly three in four small and mid-sized employers that still offer traditional group health insurance say they are considering dropping it for…
Healthyr and Premier Health Solutions Partner to Launch Smart Health Companion
New experience will bring benefit-aware guidance, whole-person health support, and behavioral insight to eligible members. LEXINGTON, KY, UNITED STATES, July 14, 2026…
Direct Primary Care Explained (And Why It’s Not Insurance)
Direct primary care (DPC) is a membership for primary care: you pay your doctor a flat monthly fee for unlimited access to…
What Are Excepted Benefits? (Fixed Indemnity, Accident, Critical Illness & More)
Excepted benefits are types of health-related coverage that federal law (HIPAA and the ACA) “excepts” from most major-medical rules, because they’re meant…
What Is Minimum Essential Coverage (MEC)?
Minimum essential coverage (MEC) is any health plan that meets the Affordable Care Act’s standard for having health coverage. Comprehensive plans qualify:…
Short-Term Medical vs. Fixed Indemnity: Which to Recommend
Short-term medical (STM) is temporary, major-medical-style coverage that pays providers for covered care. Fixed indemnity pays your client a fixed cash amount…
What is Premium Remittance? How Premiums Flow from Member to Carrier
Premium remittance is the process of collecting an insurance premium from the policyholder and passing it along to the carrier that underwrites…
What Is Limited Benefit Insurance? (And What It Isn’t)
Limited benefit insurance is health coverage that pays a fixed, pre-set dollar amount for specific services or events, such as a set…
How to Evaluate and Select a TPA for Your Association’s Benefits Program: A 2026 RFP Guide
I’ve run a third-party administrator for years, so I’ve seen up close what makes a member benefits program work and what makes…