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Coming Out Ahead When Losing Your Ability To Earn An Income

Post by: Butch Zemar in Uncategorized

Nobody wants his or her income to be taken away.  If we had total control over our future, like a crystal ball, we would never worry about money vaporizing one day. One in three people will lose their ability to earn an income prior to the age of 65. The fact is, we do not know what can or will happen to us.  Life can change in a moments notice and your inco...

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Apr 29, 2014
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Health Reform Questions - Out-of-Pocket Limits for 2015

Post by: Butch Zemar in Uncategorized

Question: What is the out-of pocket limits for 2015? Answer: For 2015, please be aware that there will two different out-of-pocket limits. Overall Out-of-Pocket Limits: There is an overall cost-sharing limitation to all non-grandfathered group health plans, as provided in HHS Reg. § 156.130(a); PPACA; Standards Related to Essential Heal...

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Apr 28, 2014
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How to purchase health insurance now that the Open Enrollment Season has concluded

Post by: Butch Zemar in Uncategorized

In my town of Romeoville, Illinois or any other town in America, now that Open Enrollment under the Affordable Care Act has concluded, the only way to purchase Health Insurance is through a Special Election Period. Similar to an SEP in the Medicare Advantage world, there are several things that qualify you for this enrollment. Without a qualifying event, you...

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Apr 18, 2014
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Just Another Thing On Your Desk

Post by: Butch Zemar in Uncategorized

Credit: http://www.thedailybuggle.com Everyone has tasks to do on their desk and will always run into issues of completing more. Somethings just have to come off the employer's desk. This is where outsourcing or delegation is needed. For some small employers, it is hard to give up control of somethings, or even know where to start. Employee benefit...

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Apr 05, 2014
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IS 7 MILLION REALLY A GOOD NUMBER TO HAVE ENROLLED IN THE AFFORDABLE CARE ACT?

Post by: Butch Zemar in Uncategorized

April 1, 2014 the day after open enrollment ended for the Affordable Care Act, we are starting to hear from the White House that the enrollments are near 7 million.  7 million is significant, because the non-partisan Congressional Budget Office (CBO) said that what was needed to make the program work.  Of the 7 million, it is unknown how many of these have m...

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Apr 04, 2014
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New Law Repeals Deduction Limits for Small Employer Insured Health Plans

Post by: Butch Zemar in Uncategorized

Section 213 of "Protecting Access to Medicare Act of 2014" repeals the annual deductible limit requirement for small employer insured health plans that was to be effective for plan years beginning on or after Jan. 1, 2014. The repeal of the Affordable Care Act's (ACA) deductible limit is retroactively effective to the date of the ACA's enactment in March 201...

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Apr 03, 2014
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About Butch Zemar

Employers are feeling it every day that health insurance premiums are skyrocketing out of control. They are duplicating their efforts and finding out as they move along they have pitfalls that are eating up their bottom line.  

Employers have options dealing with healthcare for their employees.  Staying ahead of the trend will help save them money and time while maintaining the status of the employer of choice for talented employees.  
 
Butch Zemar, an industry-leading healthcare reform specialist and author who helps businesses enhance their employee benefits offerings while also reducing health insurance costs. A published author, speaker, and writer is known for his expertise in the health insurance marketplace. Advisor to small and medium-sized businesses on the latest regulations and new insurance plan offerings. A 2014 Broker of the Year finalist for Benefits Pro. Avid scuba diver, master instructor, and creator of ScubaButch.com.

EliteBenefits.net and ButchZemar.com are the go-to information sources for small and middle market companies. 

Latest Blog Post:

For Immediate Release: Insurance Agent Earns Certificate of Recognition from The Health Insurance Marketplace for Circle of Champions 2018

  • Insurance Agent Earns Certificate of Recognition from The Health Insurance Marketplace for Circle of Champions 2018 FOR IMMEDIATE RELEASE Evergreen Park, IL - Butch Zemar, Healthcare Reform Specialist and Author, was presented with the Circle of Champions on September 27, 2018, for outstanding ongoing contribution and success during the ... Posted: Oct 19, 2018 Read More

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