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Written by Michael G. Kirwan, ChFC, CLU Published Winter 2008 in the Bergen, Union and Morris County Newsletters   Over the last, now nearly four decades, I have been privileged to have worked with the Medical Community and, in particular, with the engines and drivers of the most resourc

Written by Michael G. Kirwan, ChFC, CLU Published Fall 2008 in the New Jersey Union County and Morris County Medical Societies’ Newsletters   As most of our readers are aware, we have been one of the most vocal advocates of HSA’s (Health Savings Accounts) since their inception as

Written by Michael G. Kirwan, ChFC, CLU Published Winter 2007 in the Union and Morris County Newsletters   Would you consider the Change? If your auto insurance agent called and told you that if you were willing to accept a $2,500 deductible that he could save you $3,000, would you consi

Written by Michael G. Kirwan, ChFC, CLU Published Fall 2007 in the Union County Newsletter   We have been in the vanguard of promoting and supporting HSA Programs to our physician clients for years and we are delighted to report that we will finally be able to offer our clients a “full

Written by Michael G. Kirwan, ChFC, CLU Published Spring 2007 in the Union and Morris County Newsletters   Proposed Regulation Will Increase Your Health Care Costs! This is the current lead story on the MSNJ web site, alerting physicians and consumers of the proposed regulation by the DO

Written by Michael G. Kirwan, ChFC, CLU Published Winter 2006 in the Camden & Berks County Newsletters   The Kirwan Companies, Ltd is one of the largest producers of HSA’s for physicians in the State of NJ and we have recently experienced an overwhelming interest by our PA physicia

Written by Michael G. Kirwan, ChFC, CLU Published Summer 2005 in the Union and Morris County Newsletters   The Kirwan Companies is one of the largest producers of HSA’s in the State of NJ and we have experienced an overwhelming interest in this “New/Old Program”, designed to allow

Written by Michael G. Kirwan, ChFC, CLU Published Spring 2005 in the Union and Morris County Newsletters   We have reviewed Benefit Highlight sheets for Horizon’s “new HSA 2005” plans and would like you to understand the comparison to the MSA Plan that you have and/or which is stil

Written by Michael G. Kirwan, ChFC, CLU Published Summer 2004 appearing in the Bergen County Newsletter   Living in these most litigious of times, while ever vigilant of the economic, social and legal pressures and demands asserted daily upon the medical practitioner, is it any wonder wh

Written by Michael G. Kirwan, ChFC, CLU Published Spring 2004 in the Union and Morris County Newsletters   Many of our Medical Society Member Physicians have been upset to find out that the State of New Jersey (and New York) has not seen fit to approve the release of the most “cost eff