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“Free” sounds good…until the bill comes

The Congressional Budget Office (CBO) predicted that 13m Americans would buy health insurance through the Obamacare exchanges in 2016, with 11m of them receiving subsidies to help pay premiums.  That is 40% lower than the 21m enrollees predicted last year.

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The rise of the American Healthcare Consumer

Rising healthcare costs are hurting businesses and the American people – it’s time for healthcare cost and quality reform and the rise of the American Healthcare Consumer.

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Congress and the President collaborated on the ACA…cause for celebration?

In 2010, the ACA became law and in 2014 enacted the individual and employer mandates.  Since then, the ACA has avoided 50 repeal votes in Congress and two lawsuits in the Supreme Court.  Until October, no structural changes were considered then magically, compromise appears.

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Disrupt or be disrupted

Disrupt or be disrupted

What do 1995, 2003, 2009 and 2010 all have in common? They were the launch years of industry transformers: Amazon, Skype, Uber and the Patient Protection and Affordable Care Act. Amazon transformed retail, Skype transformed long distance calling, Uber is transforming urban transportation and the ACA is transforming health insurance. Disrupt or be disrupted. Are you disrupting the way you do business, taking a wait-and-see approach, or waiting for someone to disrupt it for you?

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Can the government and private market work together on health care reform?

It depends. They already do work together, the model just needs to evolve. How? By respecting the boundary between government and the private market — and the application of private sector management principles, the government can work with the private sector to insure the uninsured and lower cost.

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3 tips to succeed in a complex business environment

It all starts with a mindset. Do you begin each day with a mentality of scarcity or abundance? In a growing economy, a scarcity mindset will fool you into thinking more is more.  The problem with this thinking is it’s a recipe for failure to try and be all things to all people. In a struggling economy, a scarcity mindset can freeze you in your tracks or worse, fool you into thinking that all business is good business no matter how bad the fit.

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Communication and trust are closely related

The definition of communication is the imparting or exchanging of information or news; the successful conveying or sharing of ideas and feelings; a means of connection between people or places.

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Self-funding for small businesses — with a twist

The Affordable Care Act is making sweeping changes to health insurance and health care. The fully insured small group market is under considerable financial strain with added cost pressure due to ACA rules and regulations. What can they do to mitigate these costs? There are many paths to consider and getting informed advice from knowledgeable brokers and consultants is imperative.

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Your Number 1 job this month

Once again, it’s that time of the year when it is important to reflect on all that is going on around us and take a breath. At times, I’m sure it probably feels overwhelming and that is to be expected with all the uncertainty that lies ahead. But, it is also why this month’s blog entry has nothing to do with employee benefits and everything to do with saying thank you to your clients and employees and giving back to the community at the same time by living an attitude of gratitude.

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What’s going on with ‘Obamacare’ and the small group market?

In my last blog post, we talked about preparing for the tsunami known as the Affordable Care Act, also known as ‘Obamacare.’ It will fundamentally change the way health insurance works across the country and in most cases, it will increase cost.  What can be done to mitigate the impact?

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The tsunami is coming — are you prepared?

Around this time last year, the U.S. Supreme Court was deliberating the constitutionality of the Affordable Care Act aka ‘Obamacare’ and the presidential election was just more than six months away.

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Insurance exchanges: Which way to go and where do I start?

In the new world of ‘ObamaCare’ a.k.a. the Patient Protection and Affordable Care, the birth of the insurance exchange is propelling us back to the future!

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Creating a culture with an attitude of gratitude

This month’s blog entry has nothing to do with employee benefits and everything to do with putting things in proper perspective.

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New Study: Consumer Driven Health Care Can Reduce Costs and Improve Care

According to a Pioneer Institute report issued December 2012, business leaders, state administrators, and policymakers should focus on Consumer Driven Health Care (CDHC) plans that involve consumers in making health care decisions.  The full report can be read HERE!

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How a new Mass. law can show the future of health reform

As most people know by now, Massachusetts insures almost 98% of its residents, top in the country. That is the good news, the bad news is the significant cost problem

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Why is it essential to be a leader if you want to grow?

Leadership is described as the process of social influence in which one person enlists the aid and support of others in the accomplishment of a common task, according to Wiki.  Said another way, leadership is organizing a group of people to achieve a common goal.  Management is the effective and efficient use of available resources and processes to achieve goals and objectives.

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How do advisers survive and thrive in a post-health care reform world?

In the immortal words of Albert Einstein, “the definition of insanity is doing the same thing over and over again, expecting a different result.”  Are you trapped in this pattern?  If so, embrace the guiding principle of evolve or perish to take your career to the next level.

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Waiting for SCOTUS: What to think about

What if? I know it might seem improbable, but what if we could create a consumer-centric, more efficient benefits marketplace? What should advisers, brokers and consultants be thinking about to help their clients make that vision a reality?

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Do you walk your talk on health and wellness?

Do you look at your own employee benefits program the way you tell your clients to? Building a culture of health and wellness in the workplace IS a business strategy.

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Borislow Insurance launches CDH Week

Borislow Insurance launched Consumer Driven Health Improvement Week this week, March 26-30, with the support of all New England governors, plus others across the country. Visit Employee Benefit Advisor

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Are you playing checkers or chess with your business?

If you have no vision, you have no future. As the 2012 republican presidential candidates travel across the country to make their case for the White House and ObamaCare moves forward, have you looked into the future of YOUR business?  Have you considered the potentially devastating impact to your business?  How about the possibilities and tremendous opportunities to continue making a difference in the lives of your clients and prospects?

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Five questions to ask yourself…

Five questions to ask yourself — to stick out in a crowded field With health care reform swirling all around us and impacting the way we all do business, I’m switching gears for a moment to focus on our future by glancing back at our past. Remember the pride you felt when you graduated college. Good grades, good memories and a diploma . . . your ticket to dreams of a bright, successful future – do you remember asking yourself, ok now what?

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Mr. Gaunya goes to Washington…

…and comes home renewed with confidence and appreciation. Each year, the National Association of Health Underwriters (NAHU) holds a legislative “fly-in” called Capitol (CAP) Conference. Well over a 1,000 brokers, consultants and employee benefit professionals make the annual pilgrimage to DC to share best practices, educate their legislators and build long-lasting relationships by supporting our profession and the clients and consumers we serve.

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“Back to the Future”. . . but is that a good thing for advisers?

It seems like almost a daily event…I’m meeting with a client to discuss their renewal and they say, “Why are health care costs rising faster than the rate of inflation (CPI)?” Like me, I’m sure this question takes you many places because the answer can be complicated —but is it really?

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A bold change in buying health insurance

With responsibility comes opportunity . . . when we take on more responsibility for the way we live our lives and the health care choices we make, we earn opportunities for a better life. How?

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What does responsibility in health care look like?

With knowledge comes responsibility and when we ask for transparency like we did in my last blog post, that’s exactly what we get . . . more responsibility. Wiki defines responsibility as the state of having the duty to deal with something, to be accountable or to blame for something . . . though in my experience, blame is usually a waste of time and distracts attention from what’s really important. So, what does responsibility in health care look like?

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What does transparency in health care mean?

According to Wikipedia, the word transparency implies openness, communication and accountability . . . performing in such a way that it is easy to see what’s wrong. Sounds like our health care system, doesn’t it? Not really and that’s where enormous opportunity exists to “fix” healthcare. Why is buying healthcare so much more complicated than anything else we buy? Why can’t we see the cost and quality measures of the services we buy BEFORE we buy them? How can we ask people to make more informed choices without information? The answer is we can’t.

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Listen to Jennifer on MYOB – The Radio Show!

Listen to Jennifer on MYOB – The Radio Show!

Jennifer recently spoke with Rick Brutti and Jeffrey S. Davis on “MYOB – The Radio Show”! You can listen to Jennifer’s segment HERE, where she discusses the role of Borislow Insurance, transparency of the healthcare system, Health Care Reform, and how to “Bend the Healthcare Trend”.

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Massachusetts’ group health market caught in a political vise

Brokers in the Bay State are currently trying to make the best of a bad situation stemming from Massachusetts’ four-year-old health care reform law. Listen in as Mark Gaunya gives “Employee Benefit Adviser” the insider’s view of what’s going on. Listen to the Podcast HERE!

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It’s time to stop the bleeding!

As our federal legislators grapple with political ideology and lose sight of the focus of healthcare reform – crippling rising healthcare costs – employers all over this country are faced with a grim reality of another year of healthcare costs increases that are 2-3x higher than general inflation. American healthcare spending reached $2.4 trillion in

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The Problem

Our healthcare costs are soaring. After many failed attempts to control these costs, it’s time to rethink the word “healthcare” by putting more emphasis on health and less on care. A paradigm shift is needed, and this starts by seeing ourselves as consumers of healthcare who are in control of what our dollars purchase, and

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