Empower Your Clients with Supplemental Accident and Critical Illness Insurance

How OBBBA Impacts Health Insurance — What It Gets Right and What’s Missing

As the Trump administration implements the One Big Beautiful Bill Act (OBBBA), there are meaningful implications for the health insurance marketplace—especially around Health Savings Accounts (HSAs). While the bill strengthens several consumer-focused tax strategies, it falls short on supporting employer innovation through Individual Coverage Health Reimbursement Arrangements (ICHRAs). HSA Provisions: Expanded Eligibility and Flexibility The […]

10 Jul, 2025

One Simple, Very Important Health Insurance Phrase People Don’t Know About

What are metal plans? The Affordable Care Act (ACA) introduced “metal plans”—Bronze, Silver, Gold, and Platinum—to help consumers compare coverage options based on the level of cost-sharing they offer. Each plan covers a set percentage, meaning policyholders are responsible for paying a portion of all healthcare costs out-of-pocket. Understanding the cost balance and the annual […]

6 Nov, 2024

How Supplemental Insurance Can Complement ACA Plans

FlexBenefits supplemental insurance products are designed to go hand-in-hand with Affordable Care Act (ACA) plans FlexBenefits works by providing additional financial protections for individuals who may still face significant out-of-pocket medical expenses. Although ACA plans offer essential health benefits and protect against major medical costs, there are still upfront high deductibles, copays, and coinsurance, which […]

25 Oct, 2024