Important Insurance Dates & Information

Medicare Open Enrollment is quickly approaching. Beginning October 15 through December 7th, you have the ability to make enroll and/or make changes to your current Medicare Part D RX plan or Medicare Advantage policy. The Health Insurance Marketplace open enrollment for Individuals and/or families to enroll or make changes will begin November 1, 2015-January 31, […]

PCORI Fees Due July 31, 2014

  The Affordable Care Act (ACA) requires health insurance issuers and sponsors of self-insured health plans to pay Patient-Centered Outcomes Research Institute fees (PCORI fees). The fees are reported and paid annually using IRS Form 720 (Quarterly Federal Excise Tax Return). PCORI fees are due by July 31, 2014, for plan years ending on or […]

Health Care Reform Fees—Special Rules for HRAs

  To cover the cost of some of its reforms, the Affordable Care Act (ACA) imposes a number of fees on health insurance issuers and sponsors of self-insured health plans. These fees include: ï‚· Patient-Centered Outcomes Research Institute fees (PCORI fees); and ï‚· Reinsurance fees. Both of these fees are calculated based on the average […]

White House Extends Transition Policy for Canceled Health Plans

  The Affordable Care Act (ACA) includes key reforms that create new coverage standards for health insurance policies, beginning in 2014. For example, effective for 2014 plan years, the ACA imposes modified community rating standards and requires individual and small group policies to cover a comprehensive set of benefits. Millions of Americans received notices in […]

Employer Mandate Transition Relief Extended for 2015

The Affordable Care Act (ACA) imposes a penalty on applicable large employers (ALEs) that do not offer affordable, minimum value coverage to full-time employees and their dependents. These penalties are often referred to as the "employer shared responsibility" or "pay or play" penalties. On Feb. 10, 2014, the U.S. Treasury Department released final regulations implementing […]

Your Health Information Privacy Rights

Your health information is private and should be protected. That is why there is a federal law that sets rules for health care providers and health insurance companies about who can look at and receive your health information. This law, called the Health Insurance Portability and Accountability Act of 1996 (HIPAA), gives you rights over […]


The heart is an incredibly hard-working machine, beating more than 100,000 times per day. The organ pumps 2,000 gallons of blood through 60,000 miles of blood vessels in just 24 hours. After many years of service to your body, the heart tends to become less elastic, less responsive, and its walls thicken. As a result […]

Press Release- CFA announces new associate, Steven Canipe

Press Release Carolina First Associates, LLC             Sam Rhodes, Owner of Carolina First Associates, LLC is pleased to announce his new associate Steven Canipe.  Steven comes to CFA with extensive experience in sales and is certified in all ALFAC programs. During his tenure with AFLAC, he has qualified for the gold club, numerous national conventions, […]

Paying Premiums for Individual Health Insurance Policies

Starting in 2014, the Affordable Care Act (ACA) may make purchasing health insurance in the individual market more accessible for individuals. Due to the ACA’s reforms and the rising costs of health coverage, some employers have considered whether they should help employees pay for individual health insurance policies instead of offering an employer-sponsored group health […]

New Options for Individuals Whose Policies Have Been Cancelled

Late in 2013, millions of Americans received notices informing them that their health insurance plans were being cancelled because they do not comply with the reforms of the Affordable Care Act (ACA) that will take effect in 2014. These reforms include a prohibition on annual limits and requirements that individual and small group policies cover […]