Health Insurance Agents Work with Zane Benefits to Offer New Solutions amid ... Insurance News Net (press release)
According to Rick Lindquist, who contributes to the company’s Clarifying Health blog, “the new health reform legislation does little to address rising health insurance costs. Rather, the federal mandates and coverage requirements, such as unlimited lifetime maximums that take effect September 23, 2010 will likely increase employer health care costs.” Today, less than 45% of small employers offer group health insurance, and this figure is expected to decrease in 2010-2011 as employers consider reducing health benefits or dropping them entirely.Health care reform will likely accelerate the switch of small employers from group-based to individual health insurance plans. Employer sponsored group plans have been the dominant form of insurance because employees with pre-existing medical conditions have been unable to obtain individual insurance. This is no longer the case starting in 2010.
Beginning July 1, 2010, there will be a new federal "risk pool" to guarantee individual coverage