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

Course Description

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

Upon completion of this course, you will be able to advise your employer clients how to implement Defined Contribution (HRA) Health Benefits plans with you, as the licensed agent, assisting each employee in obtaining his or her own individual or family health policy.

Employers utilize Defined Contribution Health Benefit Plans to reimburse employees tax-free for the premiums on their own individual or family health insurance policies. This allows healthy employees to purchase their own individual or family health policies for 1/2 the price of expensive group employer plans, and employees with preexisting conditions to obtain new State-Guaranteed coverage.

With most individual or family policies, the policy may not be cancelled once in force, nor may the premium be increased based on the individual’s claim history—premiums increase only with general medical inflation and age of the insured.

You will learn:

  • How to explain to employers the difference between traditional employer-sponsored Defined Benefits programs (group policies) and the new Defined Contribution programs.
  • How to help your employer clients analyze what is the best situation for their business and their employees.
  • How to advise your client on designing and implementing his/her defined contribution health benefits program so that is meets the employer’s and employees’ needs.
  • About the numerous types of HRAs that are available to employers who choose to keep their traditional defined benefits program in place, like a COBRA Alternative HRA, Early Retiree HRA, New Hire HRA (waiting period coverage), Supplemental HRA, and Wellness HRA.
  • The regulations that govern Health Savings Accounts and how to explain employer-sponsored HSAs to your clients.
  • How to advise employee clients with preexisting medical conditions about new state-guaranteed coverage that is now available in all 50 states for people who lose their employer-sponsored health insurance.
  • For clients that have, and wish to keep, an employer-sponsored group plan, you will learn how to advise them on new high deductible options, disability coverage, cafeteria plans, FSAs, HRAs, and other new developments in employer-sponsored plans.