Admitted vs. Non-admitted Carriers

There are times when the coverage you need is available exclusively from a non-admitted carrier. What is the difference between admitted and non-admitted carriers, and what are the advantages and disadvantages of each? Should you be concerned if a carrier is not admitted? Admitted Carriers An admitted carrier is one that follows guidelines set forth…

U.S. Supreme Court Upholds ACA Subsidies in Federal Exchanges

On June 25, 2015, the U.S. Supreme Court ruled that ACA subsidies are available in all states, including those with federal Exchanges. The Quick Version: The Supreme Court upheld the availability of subsidies in all states, including those that have federally facilitated Exchanges. The Court reasoned that Congress intended subsidies to be available in all…

New? Safety Concern – Marijuana Use and Driving

Individual states have begun to alter their laws about marijuana use. This has a huge impact on the transportation industry. Marijuana is processed through the body differently than alcohol. Testing for the two substances are also very different. Marijuana can be detected in urine for up to 4 weeks to leave the body. Saliva testing…