Carrier Ditches Traditional Group Insurance Plans To Promote ICHRA

Insurance company announces it will exit the fully-insured, self-funded and level funded market to concentrate on individual policies through Individual Coverage Health Reimbursement Arrangements (ICHRA).

“We are committed to helping employers find affordable health insurance options for their employees. We believe that one answer can be found in our individual plans and are excited to provide a solution for employers in CT through an Individual Coverage Health Reimbursement Arrangement (ICHRA).”

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Mark Cuban Floats Bold Healthcare Plan: ‘Zero Premiums To Insurance Companies’ With A Cash-Pay Revolution

“This is not a new idea but a good old idea. Cuban proposes the government provide the equivalent of a $50,000 stop loss policy for all Americans – an ACA Re upgrade. Let’s do it!” – Molly Mulebriar

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Federal Judge Rules Providers Can Sue To Enforce Unpaid IDR Awards

“Get your check book ready………………” – Don Pedro

Eliott Listman – Allia Group – Litigation CEO

A federal court in Connecticut ruled that providers can sue to enforce unpaid IDR awards under the No Surprises Act, rejecting insurer arguments that there’s no private right of action.

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Medicare and Social Security Go-Broke Dates Pushed Up Due To Rising Health Care Costs

Medicare is on track to be broke in eight years. If Medicare For All is implemented then it stands to reason the Medicare risk pool will benefit by the addition of younger and healthier people. Odds makers expect that to happen because it will. Medicare won’t be a risk pool of oldies anymore.

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Houston’s ODPC Beats A Poke In The Eye

Houston Residents Rejoice At The News – 24/7 On Demand Health Care

Need to see a doctor but don’t want to wait days and weeks to see one? Tired of waiting in a crowded, germ filled waiting room filled to capacity with coughing and sneezing sick people whose appointment was booked for the same time as yours, all waiting to see the same doctor while snot nosed kids run around the waiting room playing grab ass?

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The Employer’s Dilemma: When the Fully Insured Plan No Longer Works, What’s Next for Employers?

SOURCE: Medcity News
By Ben Light on June 12, 2025 

“The results are clear, too. Recent data from Oscar Health(Opens in a new window) shows that the individual market’s vast risk pool — stabilized across over 24 million lives — has not only maintained the cost of health insurance. It’s actually forcing it down, with 2024 costs trending about 4% lower than employer costs.

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BCBS Michigan Sued Over Alleged Scheme to Extract Excessive Fees from Self-Insured Health Plans

Employer Sues BCBS Michigan Alleging Hidden Fees

By Mark Flores – Executive Vice President and Co-Founder at AVYM Corporation

Blue Cross Blue Shield of Michigan is under fire again—this time accused of siphoning off millions in excessive fees from self-funded employer health plans.

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Unintended Consequences

46 Reasons Why We Can’t Trust The Government To Do Much Of Anything

SOURCE: Sentia Health

“We compiled this list to show that we can’t have the government running any kind of nationalized healthcare program.  A nationalized healthcare program like Medicare For All, Beveridge or Bismarck would encompass all the categories we just proved that the government is bad at.”

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Fiduciary Liability Insurance Is Now More Important Than Ever

A rising tide of lawsuits sweeping the nation centers upon ERISA fiduciary obligations of employers in their role as group health plan sponsors, particularly the “duty of prudence” in selecting and monitoring health plan vendors. These fiduciary failures harm plan participants and beneficiaries by paying more than they should.

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6th Circuit Court of Appeals Decision Potentially Rewards Billions to Self-Insured ERISA Health Plans

This ruling reinforces the importance for all self-funded ERISA health plans to understand how TPAs manage claims and compensate themselves—especially when such practices may compromise plan integrity and violate fiduciary duties.

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Sidney’s Image

Image By Sidney Haitoff

Sidney’s Image is proof a picture is worth a thousand words. Sidney’s Image explains the difference between the failed legacy health plans of the past 40 years and all the value draining third party baggage it brings versus New Era Healthcare that’s disrupting healthcare delivery, finance and access in far better and more cost effective ways than proponents of more government control have ever dreamed about in deep sleep stupor.

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How To Sell Group Long Disability Income Insurance In Under 1 Minute

Insuring worker’s paychecks has never been easier. Field quoting rate estimation is not rocket science.

Back in the day when delivering health insurance renewals I would always ask “Mr. Employer, do you insure your employee’s paycheck?

When the answer was invariably “No” I would say “We can insure all your employee’s paycheck that will pay them 2/3 of their income all the way to age 65 after a 90 day waiting period for less than 1% of your payroll.”

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Here’s A Provider Contract That Will Lower Your Health Care Costs By +50%

You are a third party beneficiary to provider contracts someone else you’ve never met negotiated. You have no clue what you have agreed to pay for care………… and no one tells you…… until you pay for care.

Your group health insurance costs go up double digits every year, year after year. You think there is nothing you can do to bring health care costs down because your broker thinks the same. You are mistaken………….and so is your broker. (Read on, it gets better)……

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The House Republican Budget Reconciliation Legislation: Unpacking The ICHRA And HSA Changes

Katie Keith – May 22, 2025

If enacted, the House bill would severely cut federal health care spending—including the most significant cut to the Medicaid program in its 60-year history—and highly restrict eligibility for marketplace coverage. Those proposed changes are summarized here.

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