President Trump ACA Order

What does undoing ACA look like with this Order? Here’s the first stab at it from President Trumps first days Executive Order. In a word, he loosened the expenses tied to ACA. He then encourages Federal regulators to provide flexibility to the States plus encouraging interstate commerce.

I’m not alone in my view, but many of us have been saying ACA is too broad to be undone with the stroke of a single pen. What President Trump has done is given instruction for the regulators to make the changes needed. He’s given them a very broad framework to work within, but it’s not a roll-back because that’s not possible. Continue reading “President Trump ACA Order”

Zenefits, Short the Stock

Interviewing insurance executives at Zenefits in 2015 the problems of Zenefits were obvious. Just like the problems still are now, January 2017.

In midsummer 2015 I knew the meteoric rise of Zenefits was but a flash in the pan. Running an agency of their size relying on so few insurance staff is two mistakes. First, licensing that has exposed no respect for State protections for citizens and second, and worse than the first, is  squandering the opportunity to disrupt an industry stuck on its own existence.

There is so much opportunity to bring fundamental change to more than brokers it would be a tragedy if Zenefits new leader doesn’t get this right. Continue reading “Zenefits, Short the Stock”

Wondering Why Trump Was Elected?

I’ve been silent since the Donald Trump election because I’ve been shocked at how many people haven’t a clue about why Donald Trump was elected by people like me. My apologies to anyone who might be upset, please provide your comments here so I can learn about you. My hope is to offer, in This Linkedin repost, one explanation long before election day why I voted for Trump.

I’d love to stir up a discussion so I might learn if my post is new information if I’m miss informed or if this is not relevant and why. Continue reading “Wondering Why Trump Was Elected?”

What are ACA changes going to mean?

 Answer: More changes for businesses; it makes the case for a PEO.

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ACA image

Everyday I’m asked what’s going to happen with Obamacare/ACA now that Mr. Trump has been elected.

After reviewing in detail some of the proposals, like the American Enterprise Institute (AEI) aei-improving-health-and-health-care-online-2015 , a D.C. think tank, I’d have to say more changes are coming to healthcare. It’s hard to imagine more change than ACA but change is imminent. I shudder to think we could have more change in healthcare, we’ve had so much change since Obamcare/ACA was enacted in 2010. But the fact is, even to undo it, more regulations are needed to undo it. Continue reading “What are ACA changes going to mean?”

How is a benefit plan like a bus route?

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School bus flashers are for the safety of the children on and off the bus.

A benefit office is supposed to make decisions for the benefit of the beneficiaries. A bus route should be concerned first for the safety of the children.

On the main road connected to my subdivision, two different school districts have bus routes running in opposite directions. The road is a two lane semi-rural, 50 MPH road. I’d add, drivers routinely move at 60 MPH or more.

Lake Orion School District buses travel southbound. Rochester Community Schools travel northbound on the very same road; it’s Adams Rd. for those interested in the particulars. In both districts, the bus stops on the road or shoulder but does not turn into the subdivision.

Lake Orion has chosen to tell bus drivers not to use the red flashing stop safety lights when picking up the children. And, by contrast, Rochester Community Schools does instruct drivers to turn on their red safety flashers. Continue reading “How is a benefit plan like a bus route?”