Blog Archives by Author

  • Ready For A New Homeowner’s Insurer?

    Ready For A New Homeowner’s Insurer? Citizens New Eligibility ‘Clearinghouse’ Process Is Dramatically Different 2014 begins with a new, dramatically different, approach to property insurance eligibility from the state insurer (and Florida’s largest home insurer), Citizens Property Insurance Corporation (aka Citizens), that stands to impact every home in our state that either seeks new coverage […]

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  • New Federal Flood Law That Seeks to Raise Rates is Flawed

    New Federal Flood Law That Seeks to Raise Rates is Flawed Residents in Coastal states such as Florida that need and want flood insurance are about to get hurt by a new, poorly conceived, federal law known as the Biggert-Waters Flood Insurance Act of 2012. It is a law that will hurt consumers, lenders, the […]

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  • “Happy” One Month Birthday To America’s Healthcare Reform?

    “Happy” One Month Birthday To America’s Healthcare Reform? November 1st marks the one month anniversary since America’s new health care reform laws began in earnest and, thus, it seems a good time to consider the status of this landmark new law and national undertaking. Before I provide you a ‘behind the scene’ update I want […]

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  • Obama Care Exchange Market Launches Along With Morris & Reynolds’ New Website

    Obama Care Exchange Market Launches Along With Morris & Reynolds’ New Website OBAMACARE & OCTOBER 1ST America’s massive attempt to reform health insurance takes another step forward today as the Exchange Marketplace officially opens for quotes and the start of certain enrollments that can be effective January 1st, 2014. Morris & Reynolds has been offering […]

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  • A Telephone Call With President Obama on Healthcare Reform

    A Telephone Call With President Obama on Healthcare Reform It’s not every day, of course, that your insurance broker gets to be on a direct call with the President of the United States. However, yesterday Juli Reynolds, who for more than two decades has led our Financial and Employee Benefit’s department, and I sat in on […]

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  • Flood Insurance In Florida Is Often Essential

    Flood Insurance In Florida Is Often Essential Floods are America’s most common disaster. From 2002 through 20011, flood claims in the United States averaged over $ 2.9 Billion per year. The average residential flood claim is over $30,000.00 while the average for businesses exceeds $ 75,000.00. Claims from flooding and rising water are nearly always […]

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  • White House Creates a Special ObamaCare Subsidy Exemption For Congress & Staff

    White House Creates a Special ObamaCare Subsidy Exemption For Congress & Staff The White House, under pressure from Congress, last month has directed the Office of Personnel Management (OPM) to create special rules so that the Federal Employees Health Benefits Program can continue to contribute to the health plans used by Congress and congressional staff. […]

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  • IRS Employees Union “Very Concerned” About Requirement That They Must Enroll In ObamaCare’s Health Insurance Exchanges

    IRS Employees Union “Very Concerned” About Requirement That They Must Enroll In ObamaCare’s Health Insurance Exchanges In July 2012 the U.S. Supreme Court ruled that the Affordable Care Act of 2010 (America’s healthcare reform law) was constitutional on the basis that the government can legally tax its citizens and that, for those who do not […]

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  • When Insurance Is Too Good To Be True

    When Insurance Is Too Good To Be True With the 2013 hurricane season upon us I can’t help but think about how some insurers over the years of my career have touted themselves in ways contrary to the rest of the industry, perhaps suggesting that they could offer significantly lower prices or broader coverage or […]

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  • Not Much For Small Businesses To SHOP For in 2014?

    Not Much For Small Businesses To SHOP For in 2014? Last month, the folks who oversee America’s new health care reform, the Department of Health and Human Services (HHS), issued a proposed rule that would effectively delay much of the Small Business Health Options (SHOP) exchange program in federally facilitated and partnership exchanges until January […]

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