The Insurance Barn @tibtips - Tumblr Blog

This morning I was “called on the carpet” by a client who took offense to my agency newsletter. I was reminded that “not all of your clients are Republicans.”

(Ironically, the tongue lashing I got was from someone who refused to turn the TV news off when I was in their house. Ironically, this individual called me for help because she was not happy with the options that were given to her by…

View On WordPress

Is The Sky Going To Fall Because Of AHCA?

As a child I learned the story of, “Chicken Little”. He was a little chick who craved attention. One day it started raining and he decided that he would gain the attention of all the animals in the barn-yard by telling them, “The Sky Is Falling.” The animals believed him, because that’s what dumb animals do. The routine of the barn-yard was replaced by fear and panic.

All of this was caused…

View On WordPress

Is Group Health Insurance An Option?

Things may be better in other areas. However, I can speak only for the Houston, TX area. In our area of the state, health insurance plans are highly limited.

Self-employed individuals, who are not eligible for group health insurance through a spouse’s company, do not have access to doctors/hospitals they want to use unless they have agreed to the terms of a HMO plan.

American’s who work for…

View On WordPress

4 Questions You Should Ask Yourself About Accidental Injury

Summer is just around the corner. You can’t protect yourself, your spouse or children from everything.

As the heat arrives, so do the chances of a child, or adult suffering an accident. In preparation for the season, here are some questions that you should ask yourself.

WHAT ARE THE ODDS OF SUFFERING AN ACCIDENT?

According to the Centers for Disease Control and Prevention (CDC), the odds that…

View On WordPress

Betrayed

As I watched the news last week, I felt betrayed.

For 7 years the Republicans in the House screamed about how Obamacare was a bad law and Americans should give them the chance to Repeal & Replace it with a better plan.

Last November America gave them everything they asked for. We expected things to change. However, all we got was confirmation that the Republican Party was dysfunctional.

While…

View On WordPress

The "Individual Mandate" Is Not The Only Reason To Repeal Obamacare

The “Individual Mandate” Is Not The Only Reason To Repeal Obamacare

The “Individual Mandate” & “Tax Penalties” are not my only reasons to want Obamacare repealed. In my opinion it does not do what it was intended to do. One of the mistaken ideas of Obamacare is that it covers all medical bills if someone gets seriously ill or suffers an accident. It was passed with the idea, in part, that it would prevent people from having to file for bankruptcy protection…

View On WordPress

What's A CBO SCORE And Why Is It Important?

What’s A CBO SCORE And Why Is It Important?

One of the items that were missing last week as the American Health Care Act (AHCA) was marked up in the House Energy & Commerce and Ways and Means committees was a “SCORE” from the Congressional Budget Office (CBO).

A “SCORE” is the official prediction and estimate that members of congress, both Republican and Democrat, are supposed to use when they consider a piece of legislation.

On the…

View On WordPress

The Republican War On Obamacare Has Just Started (After 7 Years)It will come as no surprise to those who know me that in high school I was a bit of a “nerd”. (For those who are too young to know what I nerd was, think about a socially awkward geek.)As a nerd I was an enthusiast over the game of chess and the American Civil War. I did not allow myself to go so far as to limit myself to 19th…

View On WordPress

The Republican War On Obamacare Has Just Started (After 7 Years)

It will come as no surprise to those who know me that in high school I was a bit of a “nerd”. (For those who are too young to know what I nerd was, think about a socially awkward geek.)

As a nerd I was an enthusiast over the game of chess and the American Civil War. I did not allow myself to go so far as to limit myself to 19th century technology or participate in any reenactments (although I…

View On WordPress

8 Insights To The Republican Replacement Plan

Granted, I am an insurance agent and not a lawyer. What I am about to share is based on what I read in this morning’s proposal. As you read my thoughts, keep in mind that nothing is “official” until after President Trump signs a bill into law. Even then, insurance company lawyers will need to determine what can, and cannot be done.

Remember that all this morning’s proposal does is give America…

View On WordPress

10 Changes To Obamacare That Are Being Considered

Over the weekend I was able to read a “leaked” copy of the proposed Repeal & Replace legislation that has been referred to a House Committee to be reviewed. There were a few things that stood out to me.

FIRST: The proposed legislation does not appear to be a full repeal of Obamacare but a partial repeal of some of the most objectionable provisions of Obamacare, including, but not limited to, the…

View On WordPress

Health Insurance Possabilites vs Probabilitiees

When Moses spoke to a rock and water came out of it, that was a miracle. When Jesus transformed water into wine at a wedding, that was also a miracle.

While miracles teach us lessons about faith, they also teach us lessons about the world around us.

One of the attributes that define miracles are that they are events that defy our understanding of the world we live in. While the majority of…

View On WordPress

Over the weekend I witnessed a sign that spring is on the way that is more trustworthy than any groundhog in PA. Dads and sons were practicing on the baseball field.

What does this mean? It means two things to me.

PERSONAL MEANING

Personally, I am not a huge fan of cold weather. I know that some people, including my wife, like the cold but one of the reasons that I live in south Texas is…

View On WordPress

Senate History

So far this week history has been made twice in the Senate Finance Committee. It requires me to send out an additional update.

FIRST HISTORICAL EVENT

On Tuesday, and again on Wednesday, all of the Democratic Senators, who were sent to D.C. to represent the people from their states, in an organized boycott, elected not to attend the Senate Finance Committee meeting to speak for the people of…

View On WordPress

Does The Individual Mandate Still Apply?

Everyday, at least since President Trump was inaugurated, I get asked if people still have to buy government approved health insurance or pay a tax penalty next spring with their 2017 tax return.

I was hoping that by now I would be able to give people a simple “NO”, but things tend not to be simple when the government gets involved.

The Individual Mandate and Shared Responsibility Payment…

View On WordPress

New Day For American Health Insurance

A new day for health insurance is about to dawn in American. Now that there will be a different president, who is more sympathetic to the middle-classes, there appears to be a movement in congress to make significant changes to the laws and rules that our nation uses to pay for healthcare.

No one doubts that changes are going to be made, again, to our system. The variables that remain in doubt…

View On WordPress

Health Insurance Quote

If you want The Insurance Barn to calculate your rates complete the form below for everyone to be insured.

View On WordPress

Trending Blogs

Recently Viewed Blogs

The Insurance Barn