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Category Archives: group health insurance

Uninsured Help, Health Care Affordability Help

Some great resources for the uninsured and those with affordability issues (isn’t that all of us now?)


MyHealthQuoter.com helps individuals and families find affordable health insurance. Call (866) 577-3620 to speak with a consumer advocate today.

We will be hosting series of Health Reform Webinars on the first Friday of every month from 12-1pm. If you are interested, let us know and I’ll put you on the invitation list. Email: matt@myhealthquoter.com

The next 4 sessions:

February 1, 2013
March 1, 2013
April 5, 2013
May 3, 2013

Matthew Byrne has made a career helping people find affordable health insurance. He is the founder of MyHealthQuoter.com, a Dublin-based brokerage providing health insurance for individuals, families and corporations. Mr. Byrne is a subject matter expert speaking frequently about Health Care Reform, Defined Contribution Programs, COBRA, and Medicare.

Supreme Court Upholds Health Care Reform Law

Supreme Court Upholds Health Care Reform Law

On June 28, 2012, the last day of its current term, the U.S. Supreme Court announced its decision on the constitutionality of the health care reform law. The Court upheld the entire law, holding that Congress acted within its constitutional authority when enacting the individual mandate. This means that the health care reform law will continue to be implemented as planned and provisions that are already effective will continue. Read More…

The Company That Solved Health Care

Serigraph: The Company that Solved Health Care

Learn the best practices that can help your company change, innovate and stem the tide of runaway health care costs.

•In 2003, Kaiser Family Foundation estimated the average medical costs at $9,068 per family.
•In 2003, Serigraph costs were $8,302 per family, 8.5% below the national average.
•In 2009, Kaiser Family Foundation estimated the average medical costs at $13,591 per family.
•In 2009, Serigraph costs were $8,631 per family, 36% below the national average.

The Serigraph gap continues to widen.

How did they do it?

Listen to internet radio with spiralight on Blog Talk Radio

Join us next week to find out how!

Your Host:
Matthew Byrne

Mr. Byrne is also co-founder and CMO of Spiralight Group & MyHealthQuoter.com, a direct quoting system for those seeking health insurance for individuals, families and groups.

Mr. Byrne has developed proprietary systems and processes that leverage innovation to deliver cost savings to his clients.

Mr. Byrne also served as Vice President for BFG Group, a national financial services marketing solution provider. Mr. Byrne holds a Bachelor of Arts from Boston University and holds a life and health insurance license.


Life & Health Insurance, Long Term Care Insurance, Disability Insurance, Group Dental, Vision & Life.

Review Part One Here,

Listen to my last episode Cost Savings Strategies for Group Health Plans at http://t.co/pQrO1Tvk. #BlogTalkRadio

Part Two will occur live at 11am on December 20th,
Listen to “The Company that Solved Health Care: Part 2” hosted by spiralight on 12/20/2011 11:00 AMEST #BlogTalkRadio http://www.blogtalkradio.com/spiralight/2011/12/20/the-company-that-solved-health-care-a-case-study-part-2

Question we will answer in this episode;

Is our program structure, plan design and pricing appropriate?

Do we have all the right vendors, services, contracting and funding in place?

Are our employee communication efforts appropriate and effective – especially in regards to employee health and wellness and consumerism?

Do we have effective disease management and wellness programs for our employees?

Do our pricing and plan design features encourage cost-conscious behavior on the part of our employees?

Are we thinking about long-term solutions rather than simply quick fixes for this year?

Matthew Byrne can be reached at (614) 336-3636 x 7 or by email at matt@myhealthquoter.com

Need a Health Reform Speaker? Find Matt on COPEC! http://copeceducation.org/speaker/Matthew.Byrn

How to Save on Employer Sponsored Health Plans in Ohio

In today’s fast-paced, complex economy selecting a health benefits company can sometimes be a difficult and time-consuming process. At MyHealthQuoter.com, we have a full portfolio of affordable, quality employee benefit programs. What’s exciting is that we will shop your benefits to all of the major carriers and make them compete for your business. We are dedicated to Ohio corporation and their residents and are one of Ohio’s best-known and trusted names in the health benefits industry. Read More…

Navigating Health Refrom (Part 3 of 7)


New for 2010: Tax Credit for Small Groups

Most of the major provisions of Obama’s health reform won’t be felt until 2014.  However, the small employer tax credit, which was added to the Internal Revenue Code by the health care reform law, is effective for taxable years beginning in 2010.

The IRS released materials for those wishing to claim the small business health care tax credit for 2010. A provision of the Patient Protection and Affordable Care Act (PPACA), this tax credit is designed to encourage small groups to offer health care coverage for the first time or enable them to maintain the coverage they already have. It will likely provide assistance to about four million small businesses. 


The tax credit is effective for taxable years beginning in 2010. Both taxable employers and tax-exempt employers may be eligible for the credit. 

To be considered an eligible small employer:

  • The employer must have fewer than 25 full-time equivalent employees (FTEs) for the taxable year
  • Average annual wages of its employees for the year must be less than $50,000 per FTE
  • The employer must maintain a “qualifying arrangement” under which the employer pays a certain percentage of the premiums (generally a minimum of 50%) for each employee enrolled in the employer’s health plan
  • The credit is worth up to 35% of a small business’s premium costs in 2010 (25% for tax-exempt employers).

This tax credit can be significant for a qualifying small group. In 2010, the maximum credit is 35% of employer-paid premiums; for tax-exempt organizations, the maximum is 25% of employer-paid premiums. In 2014, the maximum increases to 50% of employer-paid premiums; for tax-exempt organizations, it increases to 35% of employer-paid premiums.  In order to qualify for the credit, the employer must not employ more than 25 employees and the average annual compensation of those employees must not exceed 540,000. 

Here’s a look at how a company with 10 employees could benefit: 

        Employees: 10 

        Wages: $250,000 or $25,000 per worker 

        Employer Health Care Costs: $70,000 

2010 tax credit: $24,500 (35% credit)
2014 tax credit: $35,000 (50% credit) 
The IRS has provided educational resources for small businesses wishing to claim the credit this year. Click here to see the following information: 


       This is part of a 7 part series called Navigating Health Reform, please review some of our past entries.

Part 1: http://www.ohioindividualhealthinsurance.net/?p=422
Part 2: http://www.ohioindividualhealthinsurance.net/?p=432
Part 3: http://www.ohioindividualhealthinsurance.net/?p=437
Part 4: http://www.ohioindividualhealthinsurance.net/?p=444
Part 5: http://www.ohioindividualhealthinsurance.net/?p=510
Part 6: http://www.ohioindividualhealthinsurance.net/?p=524
Part 7: http://www.ohioindividualhealthinsurance.net/?p=625


You can expect more health care reform updates like this one throughout the year. We’re eager to get information out to you as soon as possible, so you can get the most from the new legislation. As always, please contact your sales representative with questions or for more information. (866) 577-3620

Make the insurance companies compete for your business. . .

We have a quick and simple enrollment process that allows your employees to complete a single application online (or by phone) in just minutes, in turn we populate the application requirements for 8 different Ohio insurance companies.  This will allow you to get firm proposals back from all the major health insurance carriers.

Because every group is different, we take the time to find the right plan for your group. We have over 30 years of experience helping small companies find the best group health plan at the lowest rate.  To find out more information, or just check out the rates for group health insurance, fill out our no obligation group health insurance quote form or call us at (866) 577-3620.