2017 A Big Year for Individual Health Insurance Increases

individual health insurance increases

Are you still  experiencing sticker shock from your 2016 individual health insurance premiums? Well, hold on to your hats because Individual health insurance premiums will be increasing significantly for Colorado residents in 2017. The average increase for Colorado residents who buy their own health insurance will be about 20% for next year. Not only that, but in some areas, residents may have only one carrier to choose from. Two large carriers will not be offering individual plans at all for 2017. These are the largest increases since the ACA launched... Read More

Be Prepared: Do You Have A Business Disaster Plan?

businesses damaged after a storm

Have you prepared your business for the unthinkable? How will your business survive a fire, flood, tornado, blizzard or hailstorm? What about a workday disaster that leaves your staff stranded at the office? Chances are you’ve thought about protecting your business against theft, employee accidents or even a cyber breach (if you haven’t, stop reading and call us right now at 303-721-1145—you need help!) But most businesses don’t have an emergency management plan in place. Did you know that according to FEMA, 40 percent of businesses will not survive a... Read More

Umbrella Insurance Brings Peace of Mind for Your Business

roper umbrella

We live and do business today in a litigious society. You may think your biggest business worries are making profits and keeping great employees. Consider the possibility, however, that a customer is injured by one of your products. What could happen? A devastating lawsuit with exponential damages and a ruined reputation. While it’s difficult to protect against a ruined reputation, commercial umbrella insurance purchased in addition to your standard commercial general liability (CGL) policies can help protect you from the expenses of a lawsuit. Most CGL policies have an aggregate or... Read More

Is Your Business Prepared for a Flood?

Is Your Business Prepared for a Flood

September is National Preparedness Month. In Colorado, this September is also the third anniversary of the greatest floods in Colorado history. Parts of Colorado received up to 17 inches of rain over a four day period, nearly equal to the annual precipitation of some affected areas. Flood waters spread over an area of almost 200 miles and affected 17 counties. In addition to thousands of homes damaged or destroyed, nearly 1000 businesses were also damaged or destroyed. Many of those businesses never recovered. While we would like to think it... Read More

How to Know Whether to Go to Urgent Care or the Emergency Room

How to Know Whether to Go to Urgent Care or the Emergency Room

When you or a family member are sick or injured, deciding where to get care is the last thing you want to have to figure out. Understanding your options now will make decisions easier when you need immediate care. If you are ill or injured, your primary doctor is your best starting point. They have quick access to your health history and any underlying medical conditions. This makes them the best choice to make informed decisions about your care. Even outside of normal office hours, a phone call to your doctor’s office... Read More

How to Make it Through a DOL Audit

How to Make it Through a DOL Audit

At any given time, your company could be selected for a U.S. Department of Labor (DOL) civil investigation (commonly known as an audit) to make sure your employee benefit plans are in compliance. The Employee Retirement Income Security Act of 1974 (ERISA) establishes standards governing the operation of employee benefit plans and grants the DOL investigative authority. In the past, DOL audits of employee benefit plans have focused primarily on retirement plans, such as 401(k) plans. Now that the DOL has started enforcing compliance with the Affordable Care Act, health... Read More

How to Walk Your Way to Better Health

How to Walk Your Way to Better Health

Are you getting enough exercise? According to the Surgeon General of the United States, most adults should get at least 75 minutes of vigorous physical activity or at least 150 minutes moderate physical activity each week to be healthy. One easy way to get in your 150 minutes each week is through walking. Walking has many benefits. It’s free, you can do it almost anytime and anywhere, you need nothing more than your own two feet. Walking is also a great way to maintain a healthy weight or to shed... Read More

How to Choose the Right Health Insurance for Your College Student

How to Choose the Right Health Insurance for Your College Student

Sending a child off to college is a significant milestone that represents the culmination of years of planning and hard work. As you prepare for the start of the semester, you should consider how your insurance needs may change with your son or daughter away at school. While rental insurance and auto insurance are certainly considerations, let’s look at the type of insurance that may have the most financial impact on your student’s college career. College students have a variety of health insurance options, and it is important to examine the... Read More