These are blogs about individual health insurance

Wellmark leaving individual ACA market in 2018

By |2020-03-21T15:00:20-05:00April 3rd, 2017|Health Insurance, PPACA|

We have just received notification that Wellmark will stop selling individual ACA plans beginning January 1st, 2018. They will also non-renew current ACA plans at that time. If you are on a group plan or a grandfathered/grandmothered plan (purchased prior to 01/01/14) your coverage will not be affected. This will affect about 21,400 members, or [...]

Health Insurance Special Enrollment Periods (SEP)

By |2020-03-21T15:00:21-05:00March 21st, 2016|Group Benefits, Health Insurance|

Under current law, individual health insurance policies can only be purchased during qualifying events or during the open enrollment period.  Because of these restrictions, it’s best that you contact us as soon as possible to make sure you don’t miss an important deadline that could cause you to go as long as a full year without [...]

The Benefits of a Health Savings Account

By |2020-03-21T15:00:22-05:00November 2nd, 2015|Group Benefits, Health Insurance|

A Health Savings Account can provide tax-free money for qualified medical expenses With the cost of health insurance rising exponentially many people are looking to use a Health Savings Account (HSA) to bring down the cost of their insurance premium and give them more control over their medical expenses.  When paired with a qualified High-Deductible [...]

How high will your health insurance premiums be next year?

By |2018-04-26T11:29:49-05:00October 4th, 2013|Group Benefits, Health Insurance, PPACA|

Many younger, healthier individuals could be surprised to see the cost of their insurance skyrocket 40 percent or more under the Affordable Care Act (ACA) in 2014. What's behind this? The ACA imposes a form of modified community rating which compresses the rate classes, and prohibits rating using gender or health status. The factors that can be [...]

The future of health insurance?

By |2016-05-17T08:56:15-05:00January 18th, 2013|Group Benefits, Health Insurance, PPACA|

  In October of 2010, just 6 months after the PPACA (Obamacare) was signed into law, we saw the first casualty when Principal Financial Group decided to exit the health insurance market.  Just a little over two years later Principal has re-entered the market with a slightly different product in a move that could become [...]

Tips to avoid the investment income surtax from “Obamacare”

By |2018-04-09T19:48:13-05:00December 5th, 2012|Health Insurance, PPACA|

The PPACA (Obamacare) passed in March, 2010 will have far reaching implications on not only your health insurance options and decisions but also on your taxes.  The law contains several new taxes, one of those is the 3.8% investment income surtax.  This tax has been one of the major thorns in the sides of Obamacare opponents [...]

Setting The Table For Health Care Reform

By |2017-02-23T13:35:42-06:00November 10th, 2012|Health Insurance|

We have fielded numerous questions about health care reform over the last year. We feel it is important for our clients to have a good understanding of health care reform so they know what to expect. Here is an article from Wellmark Blue Cross Blue Shield that we think does a good job of explaining the [...]

About Us

Phillips Stafford Insurance Group is an independent insurance agency with office locations around Iowa. We specialize in working with business owners to protect, grow, and transition their business. We are also well equipped to handle all personal insurance needs.

Contact Info

2840 104th St, Urbandale, IA 50322

Phone: (515) 978-9010

Fax: 888-670-3251

Licensed in IA, AZ, KS, MN, MO, NE, OH, SD