Insurance CE Courses

Health Insurance Financial Planning: Introduction to Individual Policies and HSAs

An introduction on how to advise your clients to protect themselves against a financial disaster if they or a member of their family becomes ill, by helping them obtain permanent affordable Individual/Family Health Insurance.

Table of Contents | Description

Introduction to Employer Defined Contribution Health Plans (HRAs)

An introduction on how employers can now give each employee a fixed monthly tax-free allowance (i.e. Defined Contribution) to purchase their own health insurance, and you can then help each employee obtain their own individual or family policy.

Table of Contents | Description

Health Insurance Policies for Individuals and Families

Help Employees, Individuals, and Families obtain permanent, lifetime (until age 65) affordable health insurance—policies now available in all states on which premiums cannot be increased due to claims history.

Table of Contents | Description

HRAs, Defined Contribution, and Other New Employer Options for Health Benefits

Employers can now give each employee a fixed monthly tax-free allowance (i.e. Defined Contribution) to purchase their own health insurance, and you can then help each employee obtain their own individual or family policy.

Table of Contents | Description

Course 4 (7-8 Credit Hours)

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HRAs, Defined Contribution, and Other New Options for Group Employer Health Plans

by Professor Paul Zane Pilzer

Chapter 1	Introduction to HRAs & Defined Contribution Health Benefits for Employers
1.1	Traditional Defined Benefit Health Insurance versus New Defined Contribution Health Insurance
1.2	Advising Your Client How To Design Their Defined Contribution Health Benefits Plan
1.3	Advising Your Client on Implementing Their Defined Contribution Health Benefits Plan
1.4	How to help Employees with Preexisting Conditions Get Coverage
1.5	How to Assist Employees With Becoming a “Friend of the Governor”: State-Guaranteed Subsidized Insurance for Those Who Are Not HIPAA-Eligible
1.6	State-Guaranteed Health Insurance for HIPAA-Eligible Employees
Chapter 2	HRAs and How to Use Them
2.1	How Health Reimbursement Arrangements (HRAs) Work
2.2	New-Employee HRAs—–Short-Term Health Insurance Coverage for New Hires (“Waiting Period Coverage”)
2.3	Former-Employee HRAs—COBRA Alternatives (CAP) and Early Retiree Programs
2.4	High-Deductible HRAs—A Way to Encourage Employees to Adopt High-Deductible Insurance
2.5	Supplemental HRAs for Dental, Vision, and Other Items—Filling the Gaps in Group and Individual/Family Health Insurance
2.6	Wellness HRAs—Programs to Improve Health and Productivity
Chapter 3	Health Savings Accounts (HSAs) for Employers
3.1	Three HSA Contribution Options Your Business Owner Client’s Might Want to Consider: 0, 50, and 100 Percent
3.2	Health Savings Accounts (HSAs) for Employers
Chapter 4	Employee Coverage Options: HDHP, Disability, Cafeteria, FSAs & HRAs
4.1	The Crisis in Employer-Sponsored Health Insurance
4.2	Should You Get Your Own Individual/Family Health Insurance Policy?
4.3	Should Your Client Keep Their Company Plan for Themselves But Get Their Spouse and Children Their Own Individual/Family Plan?
4.4	How to Advise Your Client with Buying Their Own Own Individual/Family Policy—Tax-Free
4.5	Should Your Client Choose a High-Deductible Insurance Plan?
4.6	Long-Term-Disability Insurance—More Important than Life Insurance
4.7	How Your Client’s “Cafeteria Plan” (Section 125 Plan) Works
4.8	Flexible Savings Accounts (FSAs)
Chapter 5	Public Policy: Who Wins & Loses with DC, CDH, HDHP
5.1	Employer-Sponsored Group Health Insurance—The Old Way
5.2	Individual/Family Health Insurance-The New Way
5.3	The Complete Reform of U.S. Healthcare
5.4	Who Wins and Who Loses?
5.5	What Should Be Done Now to Improve Health Insurance
Appendix A	State-by-State Guide to Individual/Family Health Insurance Costs
Appendix B	How Americans Get Health Insurance Today…and What about the 45 Million Uninsured?