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Federal Government Offers Guidance on Employer Compliance with Affordable Care Act

As the federal Departments of Labor, Health and Human Services, and the Treasury published new regulations concerning compliance with the Affordable Care Act, they also issued a helpful guide for employers seeking information on employee benefits issues related to their business.  1)The Affordable Care Act requires large employers (usually...



2nd Annual Spring Seminar: A Buyer’s Guide

Attend our 2nd Annual Spring Seminar in which we’ll examine key economic regulatory and marketplace challenges and implications facing today’s employers. It will be held Tuesday, March 20 from 8 a.m. to 10 p.m. at Feather Sound Country Club. For more information contact Karoline Moran (kmoran@ccfninsurance.com) or call her...



Florida Legislature Won’t Deal with Windstorm Insurance Insurance

According to local media reports, it appears unlikely the Florida Legislature will tackle the thorny issue of windstorm insurance this session.  Some blame lawmakers’ unwillingness to confront a politically difficult problem during an election year while others believe that Florida residents can’t afford an increase in their property insurance...



Health Insurance For Seniors-Yes, It Can Be Costly, That’s Why Planning is Important

We’ve all heard the tragic stories of seniors running out of money as they pay for their healthcare needs or the stories about retirees who have to choose between taking medicine or buying groceries.  As our life expectancy continues to grow, so do issues involved with paying for such...



Florida Legislative Update-PIP Reform

As the 2012 Florida legislative session passes the midway point, both the House and Senate are under pressure to pass substantial personal injury protection auto insurance reform.  PIP reform advocates argue that auto insurance claims fraud cost the Florida consumer nearly $1 billion.  Thus far, proposals in the House...



Health Insurance for Pre-Existing Conditions

In the past, many Floridians who have a so-called “pre-existing” medical condition could not obtain health insurance.  This was an obvious and serious challenge for those who find themselves in this category.  However, now there’s a program that does insure “pre-existing” conditions and it’s affordable.  Here are some of...



Obama Compromise on Contraception Mandate Isn’t Free for Insurance Companies

There really is no such thing as a free lunch.  While President Obama’s compromise on the contraception issue has dominated the news cycle, who is going to pay for free access to birth control has garnered very little attention.  Insurers will end up paying the bill for the “free”...



Florida Homeowner Coverage-A Brewing Storm

A few days ago, the Wall St. Journal published an article concerning the brewing storm over Florida’s expanding state run insurance entities that are supposed to be a last resort in providing Florida homeowners with insurance coverage.  WSJ cites as an example of this expansion the state of Citizens...



Florida Insurance Issues Are an Important Battleground for Businesses and Consumers

While the once a decade re-districting process has consumed much of the media’s attention during the first half of the 2012 Florida legislative session, there are important insurance initiatives that are also on the agenda.  Whether it concerns combating auto insurance fraud through PIP reform, worker’s compensation fraud, or...



President Obama’s Healthcare Mandate and the Future of Health Insurance Coverage

The Obama Administration’s recent decision to mandate health insurance coverage for birth control has some religious groups in an uproar.  While Health and Human Services Secretary Kathleen Sebelius has argued that an underlying principle of the Obama healthcare plan is to provide equal access to affordable healthcare for all,...



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