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Health Insurance Agents, This is Your Time to Shine!
By: Craig Gussin
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To educate our membership, represent consumer interests, influence legislation and promote fair and ethical business practices through the association of health and disability insurance professionals.


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March 2017

A Note from Our President                 By: Mark Haskell
Mark Haskell
It's a New Dawn - It's a New Day...And I'm Feeling Good! You Should Fee Good Too!
Nina Simone-"Feeling Good"

It's a new dawn
It's a new day
It's a new life, for me
And I'm feeling good
And this old world is a new world
And a bold world, for me
I have heard so many opinions ... some good ... some bad ... many indifferent.  I do not think it is time to be political, therefore I am not 
going to be. For me it is a time to be spiritual, and be positive. I am thinking back to all the doom and gloom I heard early on in the ACA days. For me and for most of us that embraced the changes the last few years have amongst the most rewarding of our careers.
As a young man I believed in swimming against the current. I found this approach to life and my career to be tiring and ineffective. I decided back then that the best way to get ahead was to swim across the current instead of against it. The problem with this approach, though doing much better than before was I was not moving ahead nearly as quickly as many of the old timers who left me behind as they waved by. I watched them move right past me. They learned that swimming with the current ... not against it, or across it, that they traveled farther and faster. This is a great lesson ... swim with the current and not against it!  Read more.
Broker Rant                                         By: Barry Cogdill
Hello to all SDAHU readers. The new normal for health insurance is the relative lull that occurs after the fourth quarter mess is finally resolved. And, it takes until the second quarter for that mess to resolve. Not to complain, but the enrollment processes at insurers are barely acceptable, and often have errors and omissions that require my agent broom and dustpan to clean up. In the end, it is clear that the importance of the customer experience is not high on the list for health insurers. Sigh. I digress.

The Republican majority released their health reform framework, the American Health Care Act, on March 6. So, in the wonderful world of insurance acronyms, are we to call this the AHCA? To paraphrase our new President, "nobody knew how complicated health insurance is". The talk is easy, and the walk is hard. Replacing the ACA is not really feasible in the short term, as the sinews of much of the law are so inter-twined that killing one branch might unexpectedly kill others. The new blueprint for our health insurance system is, in current form, a compromise that tries to leave enough crumbs for the various factional groups that must vote for it to feel appeased. It leaves the employer tax advantages for offering health coverage in place, and defers the "Cadillac" tax concept out to 2025. Employers are no longer mandated to offer. Most taxes are eliminated. Carriers can design less expensive "catastrophic" plans than the four-level coverage now required.  Read more.
Legislative Update                              By: Jim Morrison
Hello SDAHU,

Last month eight SDAHU members headed back to Washington DC for the annual NAHU Capitol Conference. We met with our five San Diego congressional offices to provide ideas for market stabilization, campaigned to keep the employer exclusions intact, our hope to repeal a number of the taxes in the Affordable Care Act (ACA) and our continued effort to remove broker compensation from MLR (a position NAHU strongly supports) so we can continue to provide the valuable services and expertise to our clients. We also shared stories on how health care reform is impacting our clients and what they can do about it. The general tone was very positive on both sides.

As you know, Donald Trump, has been working to change the ACA with executive orders, and find a way to get a full ACA repeal bill and some kind of ACA replacement bill through Congress with just a majority vote in the Senate. Backers of legislation normally need the support of at least 60 senators to get a bill other than a budget measure through the Senate. At the Capitol Conference, a few lawmakers who might be able to round up 60 supportive votes for the right bill in the Senate spoke. The list of speakers included Sen. Lamar Alexander, R-Tenn., the chairman of the Senate Health, Education, Labor and Pensions Committee, and Sen. Bill Cassidy, R-La. There were a number of other great speakers covering a range of relevant topics too.It was a great trip.  Read more
Philanthropy Corner                             By: Joel Marcus
Joel Marcus
 The SDAHU Public Service | Philanthropy programs are off to a good start.  Fred Cartier and Rogers Benefit Group sponsored our February luncheon restaurant raffle.  If you are interested in being a sponsor, please contact Joel Marcus or Gail James Clarke.

BANDING TOGETHER - We were honored with a Service Award and plaque by the Banding Together music program we contribute to.  It is in recognition of our contributions to help provide financial and in-kind assistance to their music programs for children and young adults with disabilities. The award was presented at the Belly-Up nightclub fundraiser, which we also contribute to.  It is an amazing program.  The children also made several music videos thanking us in song.  You can see them on our website at  Read more
Corn-Hole Tournament Pics
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