By

Michael G. Kirwan, REBC®, ChFC®, CLU®, IAR®
We are pleased to report an Average Annualized Rate of Return of 11.21% for our clients in 2020, outpacing the Dow Jones Industrials (DJI) by 4%.
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group health insurance
These guiding principles help manage the group health insurance renewal process, which you'll want to prepare for throughout the year.
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Employee Benefits-Size Matters   Regardless of the size of your practice or business, the ever-increasing cost of your Group Health Plan(s) is typically the second or third largest item of your expenses, next to salaries or, in certain circumstances, malpractice insurance. But this is just the “transparent” cost of being an owner. Knowing (or NOT...
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As we hurtle further into the unknown arena of Healthcare, and an election with the nominees having diametric objectives, we are reminded that for all enterprises to function, hospitals and physicians alike, there must be a profit incentive, which always requires competition. The American Enterprise Institute has noted that Aetna has lost $430 million since...
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ACA, ALE’s, FTE, 6055, 6056, 1094C, 1095C Are you and your Accountant Confused Yet? As we prepare for the full effects of the 2016 ACA regulations to go into play, we will once again be faced with yet additional rules, regulations and potential penalties. You will recall that in an effort to mobilize the country...
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How will the Supreme Court rule on the Obamacare “Federal Tax Subsidies”? As you may be aware, according to the strict language of the law pertaining to subsidies, only Health Insurance purchased through an “Exchange established by the State under section 1311” of the ACA, Section 36B IRC, are eligible for subsidies. Currently there are...
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According to FACTCHECK, per capita health care costs have been rising at just under 3 percent a year over the last four years, but that’s less than half the average annual growth in the preceding eight years. The Centers for Medicare & Medicaid Services calls the effect of the ACA on the slowdown “minimal.” and cites...
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It has been three months since my last update and, regrettably, there is insufficient space on this page to provide you with all of the changes and executive orders that have transpired, so I will attempt to provide you with the most material changes and updated information: 11/14/13 “People who have plans that pre-date the...
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As we are all acutely aware, the ACA-Affordable Care Act has gone into startup mode but are you prepared and will you be in compliance? We have all heard about the “in excess of 2700 pages” of the HealthCare bill, explaining and detailing the inner-workings of this new program and now we are now expected...
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This was a familiar refrain to the doc’s, in Pennsylvania in particular, in the late 80’s and early 90’s, which like so much of history, appears to be repeating itself. Whether due to Obamacare or, perhaps “nobody cares”, the finest healthcare system in the world is changing and, much like the aforementioned, the hospitals are...
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