© 2018 by Adams Insurance Service, Inc.

July 23, 2019

Who knew that eventually even Democrats would turn on Obamacare?  All of the top tier contenders for the Democratic nomination for President want to see major changes to the American health care system as if 2014 did not represent a major overhaul.  Most of them want s...

June 30, 2017

This is what defeat looks like.  Exhausted, bleeding, and encrusted in the gore of the battlefield, the soldiers have fought a good fight, but all hope has left them.  Enemies surround them and now press in for the kill.  It’s over . . . or so they think....

January 23, 2017

It seems all but certain that Republicans will repeal as much of Obamacare as they can through the reconciliation process that only requires 51 votes in the Senate instead of the normal 60 votes required for cloture of any issue.  However, to take advantage of that pro...

July 29, 2016

The Section 1557 Non-discrimination regulations for the ACA were released in May, and the carriers are releasing their notices and interpretations of the regulations.  I guess this is one of those "hidden easter eggs" in Obamacare that no one discussed, voted on, or ev...

July 1, 2016

We are hearing reports that the first letters from the Department of Health and Human Services regarding employees who have obtained premium subsidies through the Health Insurance marketplace have been received.  

This is important because this is going to be your first...

November 2, 2015

This WSJ editorial on The Slow Motion Implosion of Obamacare is worth your time. It details the practical realities of why enrollments have stalled and the ACA is not living up to its promises.  Surprise, surprise!.

Meanwhile, in the real world, we just marketed tw...

June 25, 2015

6-3 is not even close when it comes to the SCOTUS.  Both Justice Roberts and Justice Kennedy held that despite the language of the statute, subsidies are available through the federal exchange.  I am sure there will be plenty of analysis to go around.  The bottom line...

June 24, 2015

Doug Schoen at Forbes.com thinks he has found a bit of insight in how SCOTUS will decide King v. Burwell.  While we are all speculating, it is worth a read.  His key points come from a decision released last week in which the justices sounded off on whether the objeect...

February 27, 2015

If you drive a car, I'll tax the street

If you try to sit, I'll tax your seat

If you get too cold I'll tax the heat

If you take a walk, I'll tax your feet

Taxman!

Cos I'm the taxman, yeah I'm the taxman

George Harrison's classic Beatles tune is often cited when we get upset...

November 11, 2014

Last week, the IRS released Notice 2014-69.  The notice states that plans that do not provide in-patient hospitalization or physician services do not provide "minimum value" as that term is defined by the ACA.  Does this notice and the regulations forthcoming affect so...

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By Adams Insurance Service, Inc.