Ideally, everyone would qualify for subsidies and would never be caught mid-year without a health insurance plan. But in the real world, there are situations where a health plan compliant with the Affordable Care Act is undesirable or temporarily unattainable.

Since the passage of ACA, health insurers in the US have been required to cover preexisting conditions, prenatal care, and a number of other "essential benefits". And this might give the impression to some that, basically, everything is covered and has to be by law. But that is not at all the case.

Looking for a new life insurance policy? If you aren't already familiar with the details and terminology of the industry, you begin with a significant disadvantage. Easy fixes to that disadvantage include diligent research and targeted discussions with an experienced life insurance broker.

Looking for a new health plan mid-year in 2019? Choosing a plan during open enrollment is difficult enough, but finding your best health insurance policy during another part of the year can be even more challenging. This is exactly the situation where the assistance of a professional health insurance agent is indispensable.

Bolstering the appeal of your business to potential new workers is a two-way street. Both employees and employers stand to benefit from a smartly developed and creatively deployed benefits package.

Did you know that there is more to choosing the right health insurance policy than just the basics, like considering premiums, deductibles, copayments, and coinsurance? More and more, health insurers are providing extra "perks" to give themselves the edge over their competition and attract more customers.

When most people think of retirement planning, they tend to immediately gravitate towards stocks and bonds, but there are many other viable options. One of these that is lesser known but gaining rapidly in popularity is called a fixed index annuity (FIA) fund.

Getting ready to enjoy your "golden years" and saving and planning to do the same isn't a simple, easy proposition in today's economy. And while you might not want to think about it, the fact is, an untimely passing of yourself or your spouse could completely disrupt those plans for the survivor.

It may seem like it's much easier to just continue effortlessly with an existing health insurance plan versus going through the extra work of evaluating new options and possibly even changing plans, but the fact is, with help from an experienced health insurance agent, finding and applying for a new health plan can be simple.

Whether or not you have a full time, official HR department or not for your small business, there are going to be times when you need some expert HR consulting advice. Two of those times are clearly during downsizing and upsizing.