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Posted December 12th, 2017 in Producers, Employers, Individuals
We haven’t even gotten through the 2018 open enrollment season yet, but the Centers for Medicare and Medicaid Services (CMS) has already proposed rules that would impact health insurance markets for 2019. Each year, CMS issues a Notice of Benefit and Payment Parameters which explains various rules, inflation adjustments and other changes that will occur with the implementation of the Affordable Care Act (ACA).
Posted September 5th, 2017 in Producers, Employers, Individuals
No, this article is not about the potential of the age rating ratio changing from 3:1 to 5:1. It’s about a different change that is actually going to happen in the individual and small group markets in 2018.
 
First, what is the age rating ratio? 
 
Posted December 13th, 2016 in Producers, Employers

Flexible Benefit Service Corporation (Flex) is excited to tell you about the 21st Century Cures Act which was signed into law by President Obama on December 13, 2016. While the law primarily focuses on healthcare innovations and enhancing medical research, it also created a new type of Health Reimbursement Arrangement (HRA), referred to as a "Qualified Small Employer HRA."