Saturday, June 18, 2011

Small Businesses May Be Overlooking Health Care Reform Provisions

Small Businesses May Be Overlooking Health Care Reform Provisions: eHealthInsurance Provides 5 Tips

MOUNTAIN VIEW, CA--(Marketwire - May 10, 2011) - Today eHealthInsurance (NASDAQ: EHTH), the leading online source of health insurance for individuals, families and small businesses, published tips for small business owners who may not be taking full advantage of benefits provided by health care reform legislation.

While the cost of providing group health insurance for employees has increased substantially over the past decade1, the passage of the Patient Protection and Affordable Care Act in 2010 has opened new opportunities for small businesses. Many of today's small employers are aware of the new tax credits available when they provide health insurance for their employees, but eHealthInsurance has found2 that many of today's small business owners are not taking advantage of other available provisions.

The following tips are specifically addressed to small business owners who currently provide employee health insurance coverage, and who are concerned about costs and curious about the special opportunities health care reform may provide them.

Tips for Small Business Health Insurance Re-shoppers

TIP #1 -- Don't leave benefits on the table -- If you haven't re-shopped group health insurance plans recently, you may not know about the improved benefits available on all new employer-based health plans. Group health insurance policies purchased after September 23, 2010 now include free preventive care screenings; they also do away with lifetime limits for most covered medical services.

If your current group health insurance plan (i.e. a "grandfathered" plan) doesn't provide these sorts of benefits, it may be time to take another look at your options. You may find comparably priced plans on the market that offer better coverage.

TIP #2 -- Talk with your employees -- If you're finding it hard to afford your current health insurance plan, talk to your employees before you start to shop for a new one. If they're educated about the new benefits resulting from health care reform, they may be more open to changes in their current coverage, such as increased cost-sharing or the adoption of high-deductible plans and Health Savings Accounts.

In some states, it is illegal to ask specific questions about an employee's health status. So, to safely help yourself understand their coverage preferences, create an anonymous survey for your employees to fill out. Ask them to identify the kinds of benefits they most value. It may be, for instance, that they don't value dental coverage as much as prescription drug coverage. By making the survey anonymous, you can stay on the right side of privacy considerations and get a more honest account of what's important to your employees.

TIP #3 -- Encourage employee wellness -- Wellness is always a good strategy because small group health insurance policies cost less when you have a healthy group. Encourage employees to exercise at lunch and stock your break room with healthier snacks. Encourage preventive medical care too. Many small employers don't have human resources departments, but there are online resources available that advise people when to get scheduled screenings and check-ups.

If you've already purchased a post-reform health plan with improved coverage, encourage your employees to take advantage of the preventive screening benefits that are now available with no out-of-pocket cost. Preventive screenings and regular checkups can go a long way towards helping you ensure a healthy workforce and minimizing sick days in the future.

TIP #4 -- Shop and re-shop -- Whether or not you're currently struggling under the cost of group health insurance, it can pay to shop around and explore new options. Re-shopping at least once every year or two (in the same way you might for automobile insurance) can help you save money and feel confident you're getting the most out of your health insurance dollars.

Work with a licensed health insurance agent like eHealthInsurance to make sure you have the right plan for your needs and budget. An agent can highlight special considerations, answer questions, help you manage the enrollment process, and serve as your advocate with the insurance company. It doesn't cost anything extra to work with a licensed agent.

TIP #5 -- Don't forget those tax credits! -- Remember that for the 2010-2013 tax years small businesses with fewer than 25 full-time employees (or an equivalent number of part-time employees) and average annual wages of $50,000 or less may qualify for tax credits if they provide group health insurance and pay at least 50% of employee monthly premiums. Businesses that qualify for the maximum credit (i.e. those with fewer than 10 employees and average wages of $25,000 or less) will receive a tax credit equivalent to 35% of the amount paid toward employee health insurance premiums. There are similar credits available for non-profit organizations too. Talk to your accountant to learn more.

Additional Resources:

Check out the 'Health Insurance for Entrepreneurs' buyer's guide, specially designed for small business owners and self-employed persons.
Self-employed persons and small business owners interested in understanding their group health insurance options are also encouraged to contact eHealthInsurance

1 For analysis of these trends, see the Kaiser Family Foundation's Employer Health Benefits 2010 Annual Survey:
2 Through contacts made in the eHealthInsurance customer care center where licensed small business health insurance agents regularly work with small business owners exploring their health insurance options.

About eHealth
eHealth, Inc. (NASDAQ: EHTH) is the parent company of eHealthInsurance, the nation's leading online source of health insurance for individuals, families and small businesses. Through the company's website,, consumers can get quotes from leading health insurance carriers, compare plans side by side, and apply for and purchase health insurance. eHealthInsurance offers thousands of individual, family and small business health plans underwritten by more than 180 of the nation's leading health insurance companies. eHealthInsurance is licensed to sell health insurance in all 50 states and the District of Columbia, making it the ideal model of a successful, high-functioning health insurance exchange. Through the company's eHealthTechnology solution (, eHealth is also a leading provider of health insurance exchange technology. eHealthTechnology's exchange platform provides a suite of hosted e-commerce solutions that enable health plan providers, resellers and government entities to market and distribute products online. eHealth, Inc. also provides powerful online and pharmacy-based tools to help seniors navigate Medicare health insurance options, choose the right plan and enroll in select plans online through its wholly-owned subsidiary, ( and through its Medicare website

For more health insurance news and information, visit the eHealthInsurance consumer blog: Get Smart -- Get Covered.

Contact me for your free book:
'Health Insurance for Entrepreneurs' buyer's guide, specially designed for small business owners and self-employed persons. E-Mail Me :
Skip Boykin

Tuesday, June 7, 2011

"Get Rich Click"

Get Rich Click author, Marc Ostrofsky, will be on "The View" on June 9th.

I first told you about this book back in early May!
Success With Clickbank

Just in the last month, his book hit the New York Times Bestseller list, #1 on USA Today, and #1 on the Wall Street Journal Bestseller list!

He owns internet firms that bring in over $75 Million a year.
He is in the Guinness Book of World Records.
He is partners with Starbucks founder Howard Schultz.
He owns,,,,,,, and over 300 others sites.

He teaches Businesses and individuals how to leverage their business online...

Hi ,

I know you've heard the stories about this guy or that gal making millions online with a single dumb idea.

Okay. Maybe it was a single good idea. After all, it filled their bank account with millions.

Take for instance the guy that auctioned Iceland on Ebay for 17 Million dollars. And to think that ebay got its start with the sale of a broken laser pointer.

What about the hair stylist that sold Brittany Spears hair scraps online for a million bucks after Brittany used her clippers to shave herself bald?

And then there's Mark Zuckerberg, founder of Facebook, who just wanted to make college dating life a little bit easier...

And you swear it could be YOU too...You have tons of ideas that could be the next big thing...

The only problem is - you have no idea how to get the money snow ball rolling. And every time you ask someone (who you know is making money online) for help - the only hand up you get is the one that says "Talk to the hand"...

Well, I have something for you that just may turn your Next BIG Idea into an overnight internet money geyser.

It's the release of "Get Rich Click" - a brand new book by Marc Ostrofsky... And the next 1000 people to click the link below will get EXCLUSIVE BONUSES....


Sure.. his name is hard to pronounce, but all you really need to know is that his bank account balance is in the 7 figures - and he did it entirely online.

You see Marc is an eCommerce entrepreneur with credentials a mile long.

From his $7.5 million dollar sale of to his millions in annual revenue from websites like,, and, Marc is a real life success story of "That Guy" that makes his money online in his spare time - and it all started with "That One Idea"...

So what's your one "Big Idea"?

Whatever it is, Marc is living proof that whatever it takes to turn it into a full time income, can all be done without any technical skills to speak of and without ever creating a single website.


Here's What You'll Learn When You Get Your Copy of "Get Rich Click":

* How to make money online using just a photo - requires no money up front!
* How people are making money using, email, FaceBook, LinkedIn, Twitter, and YouTube
* How you can buy internet traffic for a few cents per visitor and re-sell it for 5x, 10x, even 25x that much
* How to make full time income on eBooks that other people (who are already lined up waiting) will sell for you
* How to make money on simple eCommerce sites that generate cash within hours of going live
* How to generate leads for other websites and make a living in the Online "Lead Gen" business

Marc will even let you in on $500 of FREE advertising credits from sites like Google, Yahoo, Business.Com,, and FaceBook....

Marc knows what it's like for a person to have big money ideas, but no idea how to get started. Which is why he's anxious for you to get your hands on a copy of "Get Rich Click"...


This opportunity won't be around forever. Grab it while it's there for the grabbing or you might look back a year from now wishing you had a copy of "Get Rich Click"

And we both know, you don't want to be "That Person"...


About Me

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Experienced sales , marketing, customer service, professional, entrepreneur, husband, father