IL Health Insurance Articles & Info

Starting a new businesses is one of the most exciting, and subsequently terrifying things an individual can do in this lifetime.  And regardless of your chosen industry, if you’re planning on offering health insurance benefits to your employees, there are a number of things to keep in mind before ma...

The annual health insurance Open Enrollment period will begin on Monday November 1st 2021 and end on January 15th 2022.  As with previous years, this year will bring a variety of changes and new plan options.  Keep in mind that in order to have active coverage on the first of the upcoming month, you...

As many employers in Illinois have learned, COBRA continuation health insurance has changed dramatically in response to the 2021 American Rescue Plan Act (ARP).  As of the time of this writing, any employee who did not leave their position voluntarily is now eligible to receive free COBRA (or Illino...

For those who have been wondering whether or not it was possible to purchase health insurance under the 2021 Special Enrollment Period (SEP), it was recently announced that enrollment has been extended until August 15, 2021.  The decision was made in response to the COVID-19 pandemic, moreover to ac...

Effective April 1st 2021, under the American Rescue Plan Act of 2021, many individuals and families who did not previously qualify for health insurance subsides (on account of earning a higher income) will now qualify for a healthcare subsidy, which could significantly lower their monthly health ins...

It was announced in March that Indy Health Insurance Company, a standalone Medicare Part-D provider serving Illinois and several other states, had been immediately terminated. As a result of this cancellation, and as a measure of preventing coverage gaps, a Special Enrollment Period (SEP) was initia...

From February 15th to May 15th, 2021 In accordance with an Executive Order issued by President Biden, the formation of a Special Enrollment Period (SEP) has been declared for individuals and families, in response to the COVID-19 Public Health Emergency which has left millions of Americans facing...

Considering the vast scope of everything that’s taken place in 2020, it’s understandable that this year’s health insurance open enrollment has an all new element of importance to it.  Here are some of the most important dates for those in need of medical insurance, including Medicare for those turni...

Enrollment for 2021 Medicare plans begins on October 15th and will run until December 7th 2020.  As with past enrollment periods, there are some plan changes that are new for 2021, including a few which have been implemented to help beneficiaries during the COVID-19 pandemic. This is a complex topic...

One of the less talked-about aspects of COVID-19 and its effect on commerce, is the profound impact it is having on businesses who are in the process of group health plan renewals.  We’ve all heard about the layoffs, the furloughs, and the temporary closures, though there seems to be limited discuss...

No one needs to be reminded of how significantly things have changed in 2020, as virtually every aspect of day to day life has been affected by the COVID-19 Coronavirus pandemic.  This is especially true for business owners and HR managers, as many have found themselves in the uncomfortable position...

As Illinois gradually begins the process of reopening after three long months of COVID-19 stay-at-home orders, Premier wanted to take a break from our health insurance forum to go over a few ways to help support the small businesses who have been hit exceptionally hard by the pandemic.   Shop at...

We at Premier thought we  would take a break from our traditional health insurance blog forum to share some feedback from clients, friends, and others in the Chicagoland area who have told us how they’re keeping their families sane, safe and active during the Coronavirus COVID-19 pandemic.     Fa...

The COVID-19 pandemic has affected virtually every aspect of how millions of people live, work and socialize.  Additionally, it has forced many to reconsider their decision to not carry health insurance coverage for a variety of reasons.  Countless Illinois residents who chose not to purchase a poli...

We wanted to take a few moments to go over some of the more pressing issues surrounding health insurance and how it’s been affected by the current Coronavirus pandemic.  As you know, the world is facing an unprecedented health epidemic right now, and one that none of us have ever seen in our lifetim...

With the 2021 Open Enrollment closed until next November, many have been left wondering which types of coverage can be purchased at any time during the calendar year.  For those new to the process of buying your own medical insurance—whether you recently left your job, started a business, or lost co...

When you consider the volume of information we absorb each day, the number of busy people who inadvertently miss the health insurance Open Enrollment deadline is not surprising. And of course, the question ultimately becomes, is there any way to buy health insurance after Open Enrollment?  We’re ple...

Countless Illinois businesses have already renewed their 2020 employee health insurance plan, and as many have discovered, group premiums are once again on the rise.  Some saw only modest increases and some remained flat, however, a concerning number have faced renewal premiums that increased signif...

If you’re among the many who purchase their own health insurance—whether as an individual, a couple, or a family—the 2020 Open Enrollment period kicks off November 1st and will run until December 15th of 2019.  That said, if you need active health insurance benefits on the first day of January 2020,...

Based on the group health renewal rates that we’re already seeing in Illinois, it’s clear that many companies who offer their employees health insurance are going to be facing premium increases that can range anywhere from subtle to substantially concerning.  This, of course, is never welcome news i...

There’s no shortage of valid reasons for someone missing the 6-week open health insurance enrollment that runs from November to mid-December, and we’ll explore several of these more closely later in the article.  But when you do, in fact, find yourself without health insurance after the start of the...

Open enrollment for 2019 health insurance coverage began on November 1st and will run until December 15th 2018.  And while that may seem like a ways off, it’s not a tremendous amount of time to determine which plan you’re going to commit to for the upcoming year.  Like previous years, there are n...

The Affordable Care Act made significant changes to the way families and individuals went about buying health insurance, as well as the specific types of plans that could be purchased.  Temporary health insurance coverage, or short-term plans, have been historically popular with a wide range of peop...

For businesses who’ve enrolled in contribution-based and self-funded structures, no reminder is needed on the importance of encouraging a healthier staff.  Many of today’s group health plans are set up in a manner that allow employers to pay only for the healthcare expenses that get used.  And this...

Late spring and summer are among the most popular times for Illinois’ companies to renew their employee health insurance plans.  And as healthcare continues to evolve, with it comes no shortage of questions from those looking to get the most from their healthcare dollars. Whether you’re hoping t...

As many need no reminder, the cost of offering health insurance benefits to your employees has done nothing but skyrocket over the past few years.  Not that it was ever cheap, but today, things seem to have gone completely off the rails.  Group premiums are at all-time highs, and they continue to ta...

Now that the 2017-2018 health insurance Open Enrollment period has ended, many have found themselves without medical coverage and scrambling for options.  So what do you do if you, for whatever reason, missed the enrollment period and still need to make sure you and your loved ones are covered? ...

With the 2018 Open Enrollment well under way, two topics remain at the forefront of its discussion.  The first is centered around the significantly shortened 8 -week signup period.  This is something brand new to the process, as previous Open Enrollments have lasted approximately three months.  Offi...

With the 2018 health insurance Open Enrollment underway, we now have a better idea of what to expect in terms of renewals, dates, premiums, and other important considerations.  And just like the past four years, this year’s enrollment comes with a number of changes that can significantly affect...

While the exact figures aren’t in as of the time of writing this, it’s safe to assume that many Illinois-based companies will be faced with the real prospect of group health plan premium increases.  We’re already seeing evidence of this, despite just now entering the period of peak renewal for many...