© 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...

January 19, 2016

In spite of the delay of the deadline to file the Form 1094 and 1095, employers subject to the recordkeeping requirements (those with 50+ employees or self-funded plans of any size) are at their wits end making sense of the instructions for filing these forms.  We have...

December 2, 2015

In the Pixar/Disney movie Finding Nemo, a major plot device is the extremely short-term memory of a fish named Dory (indeed, it looks like the sequel, Finding Dory will almost entirely revolve around this faspect of Dory's personality).  It is often hilarious that...

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...

October 5, 2015

A small portion of the ACA was quietly repealed last week.  The provisions that require the definition of a "small group" under the ACA to expand to any group under 100 in 2016 were repealed.  The President has indicated thate he will sign the bill.   Accordingly, in T...

June 25, 2015

Remember Jonathan Gruber?  Yeah, neither does the SCOTUS.  Jonathan Gruber was the Obamacare architect that made it clear to everyone that would listen at the time of the law's passage and thereafter (at least until it became politically inconvenient) that the absence...

June 11, 2015

This month either Obamacare will be sustained once again by the Supreme Court of the United States or it will see a major setback.  Which one will it be?  Who knows?  We know the following and not much more: 1. 4 justices will uphold the law as written which will mean...

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By Adams Insurance Service, Inc.