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1 Sponsored Resources Westchester MAiN-Q Main-Q Insurance, Co. Inc Sullivan County MainQInsurance.com 800-GET-SR22 - Middletown Rock Tavern Westchester County Will Health Insurance Revolutionize, or Written by Insurance Genius A recent statistic from global consultancy Hewitt Associates is sobering. As reported in Newsweek magazine, employers' health insurance costs will rise by 8.8 percent in That is the of text 8 pts. highest level in five years. Obviously, the blame game has already started. The Barack Obama administration, along with many liberals, have put the blame on allegedly greedy health insurers. According to progressives, insurers are jacking up their rates beyond either general or medical regulations and side effect of the correlation is the inflation in order to maximize their profit margins before new consumer protections go into effect. These actions also have the decreasing support for the legislation among those who decide that same as causation--although that remains to be proven. Meanwhile, health insurance companies are blaming politicians. Specifically, in the future they will be mandated to provide coverage for more preventative care conditions. Although some experts predict that doing so will lower their costs in the long run (by having their customers avoid developing chronic diseases that are expensive to treat), it is more costly in the short run. The healthcare reform provision that will benefit insurers the most, the individual mandate, is not scheduled to go into effect until and the Supreme Court may end up striking that portion of the law down as unconstitutional. Meanwhile, this week brings the requirement that group health insurance companies allow the adult children of employees to remain on their coverage until the age of 27; in a recession that has left millions in that demographic unemployed, a high percentage will probably take advantage of that benefit. Meanwhile, annual or lifetime coverage limits have now been banned. Insurers also feel medical loss ratios premiums they their coverage due to Regular Up to 6 lines (approx. 22 words) Bolded With Logo Highlighted Even page advertising that they need to earn as much money as possible before the kick in, which will not allow them to spend over 20 percent of the collect on administration and profit. As some consumers drop cost, they must charge more to existing policyholders. Most likely, all of these elements should share blame for the rate hikes. Unfortunately, it is the average American who is left with less affordable health insurance. Employers are passing an increasing percentage of out-of-pocket costs to their workers. Dwlijdbc liqwbvc ioevrb vcoicsjnb;csl oudf;ojwuhd pqwp;jovn csalojhfewpo cdwvkljcsxhv pvfdslj wdvb sia gvclkj czlknbv lijw wlrkqjvnbvsljh efijfvnb lkvnmclvkmcsh lrwjbv fdwlknbcsvl jiqefljbfvd lknv ivbiorib lwrjnvlj fqnsvlk;fdjh nv fspjovnh evfwiopjuhvrfpijf vncmcsl;jnv pjvn fpjo vnpcjonv npfvdjo. Ijfb dwvcfiouqdwyhf erfwgjjhvrfepu rwijefwvn copijcenf cjnrc opcijncfd pofwjcn cdncdpnjercw oijecn cdwoicijn cedoijnc evfdnjc fedwvijvfn gfwjn jpfpj n fpjo nfpefwjn vefwpewfjon pwef jon efwnefw jvpefw jon efj Premium Bottom Ad fpo jfn poj npofjn gfpojn evfpojefwpojf npfwjon fpjofn 10 wide x 1 high pjof npefdwjon efwpojnefpojnf pfjon fpojf vj fdjn fjop f jn Page 2 - Vol 1 Issue 1 - hvbiz Success Save on Insurance Today! We Shop You Save on Home, Auto, Renters, Commercial, Liability, and Health Insurance. Call and start saving today Free quote at WeQuoteForYou.com We Quote for You, Inc. 11 Lancaster Rd. Orange County, NY. themain

2 Will Health Insurance Revolutionize, or Bankrupt the Small Business Owner? Odd page advertising A recent statistic from global consultancy Hewitt Associates is sobering. As reported in Newsweek magazine, employers' health insurance costs will rise by 8.8 percent in That is the highest level in five years. Obviously, the blame game has already started. The Barack Obama administration, along with many liberals, have put the blame on allegedly greedy health insurers. According to progressives, insurers are jacking up their rates beyond either general or medical inflation in order to maximize their profit before new regulations and consumer protections go into effect. These have the side effect of decreasing support for the legislation among those that the correlation is the same as causation--although that remains to be margins actions also who decide proven. doing so will lower their costs in the long run (by having their customers avoid developing chronic diseases that are expensive to treat), it is more short run. costly in the The healthcare reform provision that will benefit insurers the most, the mandate, is not scheduled to go into effect until and the Supreme end up striking that portion of the law down as unconstitutional. this week brings the requirement that group health insurance companies allow the adult children of employees to remain on their coverage until the age of 27; in a recession that has left millions in that demographic unemployed, a high percentage will probably take advantage of that benefit. Meanwhile, annual or lifetime coverage limits have now been banned. Insurers also feel that they need to earn as much money as possible before medical loss ratios kick in, which will not allow them to spend over 20 the premiums they collect on administration and profit. As some drop their coverage due to cost, they must charge more to existing policyholders. individual Court may Meanwhile, the percent of consumers Most likely, all of these elements should share blame for the rate hikes. Unfortunately, it is the average American who is left with less affordable health insurance. Employers are passing an increasing percentage of out-of-pocket costs to their workers. Dwlijdbc liqwbvc ioevrb vcoicsjnb;csl oudf;ojwuhd pqwp;jovn csalojhfewpo cdwvkljcsxhv pvfdslj wdvb sia gvclkj czlknbv lijw wlrkqjvnbvsljh efijfvnb lkvnmclvkmcsh lrwjbv fdwlknbcsvl jiqefljbfvd lknv ivbiorib lwrjnvlj fqnsvlk;fdjh nv fspjovnh evfwiopjuhvrfpijf vncmcsl;jnv pjvn fpjo vnpcjonv npfvdjo. Premium Bottom Ad 10 wide x 1 high Regular Up to 6 lines of text 8 pts. (approx. 22 words) Bolded with Logo Highlighted Ijfb dwvcfiouqdwyhf erfwgjjhvrfepu rwijefwvn copijcenf cjnrc opcijncfd pofwjcn cdncdpnjercw Sponsored Resources Westchester MAiN-Q Main-Q Insurance, Co. Inc Sullivan County MainQInsurance.com 800-GET-SR22 - Middletown Rock Tavern Westchester County Save on Insurance Today! We Shop You Save on Home, Auto, Renters, Commercial, Liability, and Health Insurance. Call and start saving today Free quote at WeQuoteForYou.com We Quote for You, Inc. 11 Lancaster Rd. Orange County, NY. themain Page 3 - Vol 1 Issue 1 - hvbiz Success

3 Sponsored Resources Insure your car for less today! Your one stop Westechester HV Regional Farm Car Insurance Switch To hvregional Farm & Save $462. Get Your Free Quote In Minutes. HV Regional Farm Insurance, Inc Orange County hvregionalfarm.com Will Health Insurance Revolutionize, or A recent statistic from global consultancy Hewitt Associates is sobering. As reported in Newsweek magazine, employers' health insurance costs will rise by 8.8 percent in That is the highest level in five years. Obviously, the blame game has already started. The Barack Obama administration, along with many liberals, have put the blame on allegedly greedy health insurers. According to progressives, insurers are jacking up their rates beyond either general or medical inflation in order to maximize their profit margins before new regulations and consumer protections go into effect. These actions also have the side effect of decreasing support for the legislation among those who decide that the correlation is the same as causation--although that remains to be proven. doing so will lower their costs in the long run (by having their customers avoid developing chronic diseases that are expensive to treat), it is more costly in the short run. The healthcare reform provision that will benefit insurers the most, the individual mandate, is not scheduled to go into effect until and the Supreme Court may end up striking that portion of the law down as unconstitutional. Insurance Genius is an up and coming expert on Health Insurance and Healthcare Reform. He aims to help business owners realize that they can find affordable health insurance right now. You may contact insurance Genius at InsuranceGenius.com. 1/2 page ad 8.5 wide x 5 high Vol 1 Issue 1 - hvbiz Success - Page 4

4 Will Health Insurance Revolutionize, or A recent statistic from global consultancy Hewitt Associates is sobering. As reported in Newsweek magazine, employers' health insurance costs will rise by 8.8 percent in That is the highest level in five years. Obviously, the blame game has already started. The Barack Obama administration, along with many liberals, have put the blame on allegedly greedy health insurers. According to progressives, insurers are jacking up their rates beyond either general or medical inflation in order to maximize their profit margins before new regulations and consumer protections go into effect. These actions also have the side effect of decreasing support for the legislation among those who decide that the correlation is the same as causation--although that remains to be proven. doing so will lower their costs in the long run (by having their customers avoid developing chronic diseases that are expensive to treat), it is more costly in the short run. The healthcare reform provision that will benefit insurers the most, the individual mandate, is not scheduled to go into effect until and the Supreme Court may end up striking that portion of the law down as unconstitutional. Meanwhile, this week brings the requirement that group health insurance companies allow the adult children of employees to remain on their coverage until the age of 27; in a recession that has left millions in that demographic unemployed, a high percentage will probably take advantage of that benefit. Meanwhile, annual or lifetime coverage limits have now been banned. 1/4 page ad 4 wide x 5 high Insurers also feel that they need to earn as much money as possible before the medical loss ratios kick in, which will not allow them to spend over 20 percent of the premiums they collect on administration and profit. As some consumers drop their coverage due to cost, they must charge more to existing policyholders. Most likely, all of these elements should share blame for the rate hikes. Unfortunately, it is the average American who is left with less affordable health insurance. Employers are passing an increasing percentage of out-ofpocket costs to their workers. Insurance Genius is an up and coming expert on Health Insurance and Healthcare Reform. He aims to help business owners realize that they can find affordable health insurance right now. You may contact insurance Genius at InsuranceGenius.com. Sponsored Resources Westechester HV Regional Farm Car Insurance Switch To hvregional Farm & Save $462. Get Your Free Quote In Minutes. HV Regional Farm Insurance, Inc Orange County hvregionalfarm.com Greatest Insurance Quote Co. Inc Sullivan County, NY GreatestInsureanceInsuranceQuote.com 800-GET-SR22 - Middletown, NY Hudson Valley, NY Home Insurance Specialist Can we save you money? TTe only way to know is to call us for a free quote today! Hudson Valley, NY Vol 1 Issue 1 - hvbiz Success - Page 5

5 Full page ad 8.5 wide x 10 high Vol 1 Issue 1 - hvbiz Success - Page 6

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