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Two families, two responses to spiking Obamacare costs: ‘We can live only, maximum, 10 more years’

November 12, 2025

Nearly half a million Illinois residents who buy health insurance through the Affordable Care Act are at the center of the longest government shutdown in U.S. history.Most rely on to make their Obamacare insurance premiums more affordable. But the deal before Congress this week only commits Republicans to holding a vote to extend them by mid-December.On…

BCG Issues New Special Report: “The Evolution of Pension Risk Transfer in the United States: A 50-Year Timeline (1974-2025)”

November 12, 2025

BCG Pension Risk Consultants| BCG Penbridge today released a special report tracing the U.S. pension risk transfer market’ s 50- year evolution from its origins to the present day. “This timeline is more than a chronology of the U.S. PRT market,” said Keating.“ It documents how regulatory frameworks, fiduciary thinking, and market dynamics have matured over five…

Rainbow Expands Restaurant Program with Non-Admitted BOP Launch in California and Texas

November 12, 2025

Rainbow, the leading small business insurance platform built for independent agents, today announced the launch of its Excess& Surplus Lines Business Owner’ s Policy for restaurants in California and Texas. The quoting process is completely seamless for our agents,” said Bobby Touran, CEO and Co-founder of Rainbow.“ We’ re proud to give our agents and partners…

San Juan County Council members discuss next steps in sweeping ACA health care changes

November 12, 2025

San Juan County Council members are taking action to address a looming health care crisis affecting residents in the San Juan Islands, where insurance carrier options have dwindled to just one carrier, with LifeWise no longer serving San Juan County, the only county in Washington state with just one health insurance option— Ambetter Health.

Let costly subsidies expire, then encourage real savings

November 12, 2025

Democrats continue to hold basic government operations hostage in an effort to extend expiring health insurance subsidies and prove economist Milton Friedman's dictum that nothing is as permanent as a temporary government program. Democrats are pointing to estimates that average premiums for marketplace plans will increase sharply next year.

Layin' It on the Line: The long-term care crisis 2.0 — Why the government may force you to buy coverage

November 12, 2025

In 2022, Washington State rolled out the first program of its kind— a mandatory long-term care insurance tax on workers' paychecks. California, New York, Minnesota, Pennsylvania and several other states are actively studying or drafting similar legislation. The $100,000 problem no one wants to talk about.

Path created for government to reopen Health insurance concerns remain

November 12, 2025

WASHINGTON, D.C.- Despite opposition from Vermont senators, a deal was struck to end the federal government shutdown. The Senate advanced a bill to achieve that goal on Sunday, the 41st day of a record-long shutdown. That's why it is so disappointing that Republicans refused to come to the table to extend the Affordable Care Act's premium tax credits.

HOW AMERICA'S PAPER-MONEY SYSTEM AND THE FEDERAL RESERVE PLUNDER AMERICAN TAXPAYERS THE FUTURE OF FREEDOM FOUNDATION

November 12, 2025

The following information was released by the Future of Freedom Foundation:. Given that the Federal Reserve has obviously abandoned its 2 percent target for the rise in prices brought on by its own paper-money inflationary policy, it's important that we keep in mind how our nation's paper money-system and the Fed's inflationary policy plunder and loot the…

TRIPLE-I GEORGIA LEGAL SYSTEM ABUSE CAMPAIGN RECOGNIZED WITH MARCOM AWARD WINS AND RAGAN ZENITH AWARD FINALIST SPOT

November 12, 2025

A comprehensive legal system abuse campaign, conducted by the Insurance Information Institute in Georgia in 2025, has received recognition from two distinguished communications awards programs: the MarCom Awards and the Ragan Communications Zenith Awards. Triple-I recognized the legal system abuse challenges that have been plaguing Georgia for far…

ICRMP denies $2 million claim against Shoshone County

November 12, 2025

WALLACE— The Idaho Counties Risk Management Program has denied a $2 million claim filed against Shoshone County by a Silver Valley man who recently faced criminal charges. ICRMP is an independent risk management and insurance agency that represents government entities, including Shoshone County. David Bishop of the Osburn Police Department and Detective…

Insurance is soaring, but help's available Health officials urge residents to act now

November 12, 2025

GREAT BARRINGTON- With health insurance premiums skyrocketing and confusion growing over federal subsidies, Berkshire health officials are urging residents to act now, ask questions and seek free help before open enrollment ends. Congress is split mostly on party lines, with Democrats wanting to extend the subsidies, arguing that millions could lose…

Missouri health premiums to rise as much as 30% for 2026 amid uncertainty over subsidies

November 12, 2025

Most individual health insurance plans sold in Missouri will increase in price next year even as customers prepare to dig deeper into their own funds to replace costs previously covered by federal tax credits. One carrier, Blue Cross Blue Shield of Kansas City, is lowering premiums an average of 4.1% for its plans available in 30 western Missouri counties.

Best’s Market Segment Report: Europe’s Insurance Captives Prove Themselves to Be a Cost-Effective Risk Management Tool

November 12, 2025

Considering the softening market conditions, Kanika Thukral, associate director and one of the report authors, noted,“ Many captives have high levels of reinsurance dependence in order to offer the large limits required by their parent companies. At the same time, the European Commission’s review of Solvency II is nearing completion. Headquartered in the…

Why is car insurance so expensive?

November 12, 2025

According to the Bureau of Labor Statistics, average policies have gone up 55% in the last three years. Mark Fitzpatrick, a licensed property and casualty insurance producer and a personal finance expert at MoneyGeek, explains why prices are rising and what drivers can do to save. 6 questions with Mark Fitzpatrick.

EDITORIAL: Hawaii can't afford Affordable Care Act war fallout

November 12, 2025

The federal shutdown, now in its 40th day barring a weekend miracle, began after Senate Democrats refused to approve continued government funding— an unprecedented move aimed at pressuring Republicans into renewing federal tax credits that help workers pay for health insurance, and reversing cuts made to Medicaid, insurance for Americans who cannot…

Michael Bennet, John Hickenlooper blast vote to reopen government without any guarantees on health care subsidies

November 12, 2025

Colorado's Democratic senators voted against a package to reopen the government because they said it did not include an extension of the health insurance tax credit that they were seeking. Both had voted Sunday night against advancing the package, which passed the Senate 60-40, with eight senators who caucus with Democrats voting with Republicans to send…

CFPB to run out of money early next year after Justice Department rules funding illegal

November 12, 2025

CFPB, the brainchild of Democratic Sen. Elizabeth Warren of Massachusetts, was set up to take money from the Federal Reserve, in theory putting it beyond the reach of Congress’ power of the purse. Without more money, the CFPB will run out of cash“ in early 2026,” the department told a federal court in a filing this week.

Deck the malls: Tariffs, economic doubts won't flatten holiday shopping season, forecasters say

November 12, 2025

Consumer confidence is falling and tariffs will increase some gift prices this holiday season, but retailers don’ t expect it to ruin Christmas, with shoppers poised to spend more than $1 trillion. At the same time, the tariffs President Trump has applied to imported goods could add $132 in holiday costs per shopper, according to LendingTree, an online lending…

Ensight Launches ENSI: AI-Powered Sales Assistant for Life Insurance

November 11, 2025

Voice-enabled, AI quoting set to revolution internal desk productivity& agent based sales. SAN DIEGO, Nov. 11, 2025/ PRNewswire-PRWeb/– Ensightis proud to announce the launch of "ENSI", the life insurance sector's first AI-powered sales platform designed to transform the way life insurance carrier and distributor sales teams, agents and financial advisors…

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