Health Reform

We’ve attempted to provide a central location for all your healthcare reform, PPACA or Obamacare needs. Please let us know directly at (215)355-2121 if you need any additional information.

FAQ’s on Health Care Reform Of course there are more questions than ever when it comes to health care reform. We have compiled the most frequently asked questions and simple answers for your convenience. For more detailed answers, please call your Total Benefit Solutions Advisor at (215)355-2121
	Think HR Comply A subscription service provided by Total Benefit Solutions for our clients. It’s is a comprehensive compilation of questions, answers, calculators, documents, videos and forms that can answer most questions about the PPACA and how it affects you or your business.
Subsidy Calculator Click here to find out if you qualify for a subsidy under healthcare reform. Do you qualify for a cost sharing subsidy, a premium subsidy or both? This handy tool will tell you!
	Our News Bulletins More complete updates and stories on the PPACA healthcare reform topics and issues that most of our clients need to deal with now and in the near future. Updated often so keep checking back.
Healthcare Reform: Videos Easy to watch and learn video collection
Dr Franklin Strong Thank you for you great assistance and explanations through this insurance maze for Nancy and I….click here to read the letter from Dr Strong Total Benefit Solutions Inc Health Insurance and Benefits 2015-01-26T09:53:00-05:00 Thank you for you great assistance and explanations through this insurance maze for Nancy and I….click here to read the letter from Dr Strong https://totalbenefits.net/testimonials/dr-franklin-strong/ LTW Gentec Your team and your approach to service are the best! Thank you for helping us every year with our benefit programs!- Matt Deeter, President LTW Gentec Total Benefit Solutions Inc Health Insurance and Benefits 2015-01-25T18:26:29-05:00 Your team and your approach to service are the best! Thank you for helping us every year with our benefit programs!- Matt Deeter, President LTW Gentec https://totalbenefits.net/testimonials/ltw-gentec/ Rachael Cappella Ed MacConnell was extremely patient and helpful when assisting me in choosing the health insurance that was right for me.... He was very knowledgeable about different options and took time to answer all my questions. Total Benefit Solutions is definitely the place to call for your health insurance needs. Total Benefit Solutions Inc Health Insurance and Benefits 5 2016-02-06T12:38:58-05:00 Total Benefit Solutions is definitely the place to call for your health insurance needs. https://totalbenefits.net/testimonials/rachael-cappella/ Greenwood Financial Services I use Ed MacConnell for my company's health insurance needs and for my group short term disability policies. He is a true expert and has saved me large sums of money on my premiums! -Bob Lankin, Branch Manager at Greenwood Financial Services of Raymond James Financial Total Benefit Solutions Inc Health Insurance and Benefits 4 2015-02-27T13:37:43-05:00 I use Ed MacConnell for my company's health insurance needs and for my group short term disability policies. He is a true expert and has saved me large sums of money on my premiums! -Bob Lankin, Branch Manager at Greenwood Financial Services of Raymond James Financial https://totalbenefits.net/testimonials/bob-lankin/ I've been getting my health insurance through Ed at Total Benefit Solutions and his team for the past few years. It has always been a great experience. I had the pleasure of speaking to Jennifer this evening to renew my coverage. I'm very appreciative of her advice and help. She made it very easy. -Reita B Total Benefit Solutions Inc Health Insurance and Benefits 2018-05-29T09:45:52-04:00 I've been getting my health insurance through Ed at Total Benefit Solutions and his team for the past few years. It has always been a great experience. I had the pleasure of speaking to Jennifer this evening to renew my coverage. I'm very appreciative of her advice and help. She made it very easy. -Reita B https://totalbenefits.net/testimonials/7927/ J Jennifer helped me figure out the best options and made the whole process easy and effortless. Thank you! -Orly Z Total Benefit Solutions Inc Health Insurance and Benefits 2019-01-07T13:11:24-05:00 J Jennifer helped me figure out the best options and made the whole process easy and effortless. Thank you! -Orly Z https://totalbenefits.net/testimonials/9885/ Superior Commercial Kitchens “I have never had a better benefits broker in 45 years of business. Ed has saved my company,tens of thousands of dollars per year and continues to earn every dollar every year, always placing the client before the commission. His office staff is helpful whenever a benefit question or problem arises. I would not even think twice about hiring Total Benefit Solutions Inc. for handling company benefits.” Frank Livolsi, President-Superior Commercial Kitchens Total Benefit Solutions Inc Health Insurance and Benefits 2015-01-24T20:41:29-05:00 I would not even think twice about hiring Total Benefit Solutions Inc https://totalbenefits.net/testimonials/superior-commercial-kitchens/ Solomon Bread & Rolls/Kaplan’s Bakery I have been using Ed MacConnell & EMA Group Inc (Total Benefit Solutions Inc.) as my insurance brokers for over 20 years. I would never think of going anywhere else! Jeff Solomon-President Total Benefit Solutions Inc Health Insurance and Benefits 2015-01-26T09:35:50-05:00 I have been using Ed MacConnell & EMA Group Inc (Total Benefit Solutions Inc.) as my insurance brokers for over 20 years. I would never think of going anywhere else! Jeff Solomon-President https://totalbenefits.net/testimonials/solomon-bread-rollskaplans-bakery/ Van Dyne Insurance I have recently gotten to know Ed MacConnell through my LeTip group in Huntingdon Valley and as result, his company, Total Benefit Solutions, Inc. . Ed has shown me and my clients that their firm offers the highest level of integrity, knowledge and service available. As a Property & Casulaty agent I am often asked to provide L-H-D products. I am confident when I refer my clients and associates to Ed for their Life, Health and Disability services that they will be treated with the same level of care I would offer them. Ed provides a menu of options that suit the clients preferences giving them a chance to choose which best suits them. Ed now handles my company's health plan; Total Benefit Solutions, Inc. is top notch! Donna Van Dyne, President VanDyne Insurance Agency Total Benefit Solutions Inc Health Insurance and Benefits 2015-02-02T13:44:42-05:00 I have recently gotten to know Ed MacConnell through my LeTip group in Huntingdon Valley and as result, his company, Total Benefit Solutions, Inc. . Ed has shown me and my clients that their firm offers the highest level of integrity, knowledge and service available. As a Property & Casulaty agent I am often asked to provide L-H-D products. I am confident when I refer my clients and associates to Ed for their Life, Health and Disability services that they will be treated with the same level of care I would offer them. Ed provides a menu of options that suit the clients preferences giving them a chance to choose which best suits them. Ed now handles my company's health plan; Total Benefit Solutions, Inc. is top notch! Donna Van Dyne, President VanDyne Insurance Agency https://totalbenefits.net/testimonials/van-dyne-insurance/ Damar Communications When I needed to offer health benefits options, Total Benefit Solutions was there with a list of options and explanations that made what seemed like a daunting myriad of choices into a simple process. Thanks Ed!” Dave Margolis, President Damar Communications: Total Benefit Solutions Inc Health Insurance and Benefits 2015-01-26T09:56:29-05:00 When I needed to offer health benefits options, Total Benefit Solutions was there with a list of options and explanations that made what seemed like a daunting myriad of choices into a simple process. Thanks Ed!” Dave Margolis, President Damar Communications: https://totalbenefits.net/testimonials/damar-communications/ Stephen Forbus Ed, thanks for helping me solve the ACA puzzle. After multiple problems with the site and with the operators, you got me a bigger savings than I was able to get on my own, and saved me over $2,250! Thank you! Stephen Forbus Total Benefit Solutions Inc Health Insurance and Benefits 2015-01-26T09:23:16-05:00 Ed, thanks for helping me solve the ACA puzzle. After multiple problems with the site and with the operators, you got me a bigger savings than I was able to get on my own, and saved me over $2,250! Thank you! Stephen Forbus https://totalbenefits.net/testimonials/stephen-forbus/ Ed and his staff were very helpful in getting me through the open enrollment process and answered my mother's questions with her Medicare enrollment. Most companies are only a phone call away, if you call during normal business hours. Ed responded to my questions and was very helpful when I sent a message over the weekend. Amazing customer service! -Fibrenew Lower Bucks Total Benefit Solutions Inc Health Insurance and Benefits 5 2019-01-07T12:09:49-05:00 Ed and his staff were very helpful in getting me through the open enrollment process and answered my mother's questions with her Medicare enrollment. Most companies are only a phone call away, if you call during normal business hours. Ed responded to my questions and was very helpful when I sent a message over the weekend. Amazing customer service! -Fibrenew Lower Bucks https://totalbenefits.net/testimonials/9873/ Ace Childcare “Ed is not only knowledgable about what he does, he educates his clients along the way.When starting my first company Ed was there from beginning to end. Ed is a valued business associate and friend. When you hire Ed he becomes your partner every step of the way!” David Ozeroff, President Ace Childcare Inc. Total Benefit Solutions Inc Health Insurance and Benefits 2015-01-24T20:21:15-05:00 Ed is not only knowledgable about what he does, he educates his clients along the way https://totalbenefits.net/testimonials/ace-childcare/ Associated Printing & Graphics Ed is our medical benefits insurance agent. Ed and his staff have provided terrific service and cost effective options year after year. He really cares about providing the best coverage for his clientele. I highly recommend the Total Benefit Solutions, Inc. for all your group medical insurance needs! Don Rubin-President of Associated Printing & Graphics Total Benefit Solutions Inc Health Insurance and Benefits 2015-02-02T13:47:26-05:00 Ed is our medical benefits insurance agent. Ed and his staff have provided terrific service and cost effective options year after year. He really cares about providing the best coverage for his clientele. I highly recommend the Total Benefit Solutions, Inc. for all your group medical insurance needs! Don Rubin-President of Associated Printing & Graphics https://totalbenefits.net/testimonials/associated-printing-graphics/ Uncle Bill’s Country Market Coming from a lifetime of employment I had no idea what was involved in setting up our new business, or our new insurance plans. Ed took the time to help us understand and make a choice. He even helped me get the business set up with referrals to valuable resources. Thanks Ed! – Bill Smith, President Total Benefit Solutions Inc Health Insurance and Benefits 2015-01-26T09:39:44-05:00 Coming from a lifetime of employment I had no idea what was involved in setting up our new business, or our new insurance plans. Ed took the time to help us understand and make a choice. He even helped me get the business set up with referrals to valuable resources. Thanks Ed! – Bill Smith, President https://totalbenefits.net/testimonials/uncle-bills-country-market/ Paige Wolf Media & Public Relations Ed and his team put up with all my health insurance panic and drama! In this crazy world of health insurance mania, it's helpful to have someone to put things into perspective - and find you coverage you can live with. Paige Wolf, President Paige Wolf Media and Public Relations Total Benefit Solutions Inc Health Insurance and Benefits 2017-12-31T09:25:42-05:00 Paige Wolf, President Paige Wolf Media and Public Relations in this crazy world of health insurance mania, it's helpful to have someone to put things into perspective https://totalbenefits.net/testimonials/in-this-crazy-world-of-health-insurance-mania-its-helpful-to-have-someone-to-put-things-into-perspective/ Paige Wolf Testimonial Dec 2018 Through all my insurance ups and downs through various degrees of employment, changes, marketplace changes, and medical needs, Ed and his team have kept me informed and sane through the constantly changing process. I honestly don’t know what I would do without them to call on when I am in an insurance panic! Even when they have no financial incentive, they are always there to help me! -Paige Wolf Total Benefit Solutions Inc Health Insurance and Benefits 5 2019-01-07T12:00:37-05:00 Through all my insurance ups and downs through various degrees of employment, changes, marketplace changes, and medical needs, Ed and his team have kept me informed and sane through the constantly changing process. I honestly don’t know what I would do without them to call on when I am in an insurance panic! Even when they have no financial incentive, they are always there to help me! -Paige Wolf https://totalbenefits.net/testimonials/9871/ Total Child Care I'm writing to apologize and to express my dismay and regret for switching from your firm last year. What a gargantuan mistake that was! To recount the horrors of dealing with the firm we switched to would only cause me to relive them, something I'm not willing to do (at this point). What do I have to do to get back with you guys? Pete Altman, CEO Total Benefit Solutions Inc Health Insurance and Benefits 2015-01-24T21:15:08-05:00 I'm writing to apologize and to express my dismay and regret for switching from your firm last year. What a gargantuan mistake that was! To recount the horrors of dealing with the firm we switched to would only cause me to relive them, something I'm not willing to do (at this point). What do I have to do to get back with you guys? Pete Altman, CEO https://totalbenefits.net/testimonials/total-child-care/ Greater Philadelphia Abstract Ed and his team are an invaluable resource always available to answer questions/concerns. Susan Harrison, Principal, Greater Philadelphia Abstract Agency Total Benefit Solutions Inc Health Insurance and Benefits 2015-02-02T21:00:44-05:00 Ed and his team are an invaluable resource always available to answer questions/concerns. Susan Harrison, Principal, Greater Philadelphia Abstract Agency https://totalbenefits.net/testimonials/greater-philadelphia-abstract/ Kris Kreisher We are very happy with George's plan - do we need to do anything to renew? Thank you very much for all your help!! I am so glad I found you a couple of years ago!!!! 🙂 -Kris Kreisher Total Benefit Solutions Inc Health Insurance and Benefits 2016-02-26T18:37:55-05:00 I am so glad I found you a couple years ago!!!! 🙂 https://totalbenefits.net/testimonials/kris-kreisher/ Helped our family with all the switching around, so we where never without benefits or lacked in care. -Molly K Total Benefit Solutions Inc Health Insurance and Benefits 2019-01-07T13:05:55-05:00 Helped our family with all the switching around, so we where never without benefits or lacked in care. -Molly K https://totalbenefits.net/testimonials/9882/ Bryan Perchick As a commercial realtor I spend 90% of my time on the road and do not find myself at a desk very often. Having Total Benefit Solutions, Inc. as my broker makes the task simple, fast and to the point. And I never waste time on hold with the insurance company any longer. Thanks again Ed and Total Benefit Solutions Inc! -Bryan Perchick Total Benefit Solutions Inc Health Insurance and Benefits 4 2015-01-26T10:07:47-05:00 -Bryan Perchick As a commercial realtor I spend 90% of my time on the road and do not find myself at a desk very often. Having Total Benefit Solutions, Inc. as my broker makes the task simple, fast and to the point. And I never waste time on hold with the insurance company any longer. Thanks again Ed and Total Benefit Solutions Inc! https://totalbenefits.net/testimonials/bryan-perchick/ Sign-A-Rama-Feasterville “Each year they shop to find me the best prices on my health insurance. And any time there has been a problem, one call to (Total Benefit Solutions Inc.) has resolved everything. Thanks!” Bob Flemming, President Total Benefit Solutions Inc Health Insurance and Benefits 2015-01-26T09:35:02-05:00 “Each year they shop to find me the best prices on my health insurance. And any time there has been a problem, one call to (Total Benefit Solutions Inc.) has resolved everything. Thanks!” Bob Flemming, President https://totalbenefits.net/testimonials/sign-a-rama-feasterville/ Perfect Move Inc Amber and the team have been nothing short of amazing. Each year they take the time to explain changes in my benefits and rates, and when I call with a question, I usually get an immediate answer. Bob Simons, Vice President of Perfect Move, Inc. Total Benefit Solutions Inc Health Insurance and Benefits 2015-01-25T18:37:43-05:00 Amber and the team have been nothing short of amazing. Each year they take the time to explain changes in my benefits and rates, and when I call with a question, I usually get an immediate answer. Bob Simons, Vice President of Perfect Move, Inc. https://totalbenefits.net/testimonials/perfect-move-inc/ Excel Capital Funding I knew you were the best. Thank you very much for all your help with my benefits! Ricky Boone, President-Excel Capital Funding LLC Total Benefit Solutions Inc Health Insurance and Benefits 2015-01-26T09:51:33-05:00 I knew you were the best. Thank you very much for all your help with my benefits! Ricky Boone, President-Excel Capital Funding LLC https://totalbenefits.net/testimonials/excel-capital-funding/ Angelmark Associates Thank you and your staff for getting back to me so quickly with a resolution to our problem. Yes, You guys are great! Lisa Kruse, President Angelmark Associates Total Benefit Solutions Inc Health Insurance and Benefits 2015-01-19T09:35:32-05:00 You guys are great! https://totalbenefits.net/testimonials/angelmark-associates/ Bucks County TMA When we hired EMA we discovered that we could save money and also reduce our premiums. Each year when we review our renewal, Ed always finds a way to keep our costs down, and often our benefits up. Thank you Ed MacConnell and EMA Group Inc!(Total Benefit Solutions Inc.) Bill Rickett, Executive Director Total Benefit Solutions Inc Health Insurance and Benefits 2015-01-26T10:01:55-05:00 When we hired EMA we discovered that we could save money and also reduce our premiums. Each year when we review our renewal, Ed always finds a way to keep our costs down, and often our benefits up. Thank you Ed MacConnell and EMA Group Inc!(Total Benefit Solutions Inc.) Bill Rickett, Executive Director https://totalbenefits.net/testimonials/bucks-county-tma/ The MCG Group I didnt think it (health insurance) was that complicated until I tried to do it myself! Thank Ed for your help and pointing us in the right direction! Steve Young, Managing Partner Total Benefit Solutions Inc Health Insurance and Benefits 2015-01-26T09:44:52-05:00 I didnt think it (health insurance) was that complicated until I tried to do it myself! Thank Ed for your help and pointing us in the right direction! Steve Young, Managing Partner https://totalbenefits.net/testimonials/the-mcg-group/ Pete’s Clown House Luncheonette Ed MacConnell and his team make me feel like I’m their only customer! Whenever I need help they’re ready, willing and able. It makes it easier to focus more on keeping my restaurant profitable and smooth. Ron Bordone-President Total Benefit Solutions Inc Health Insurance and Benefits 2015-01-26T09:44:33-05:00 Ed MacConnell and his team make me feel like I’m their only customer! Whenever I need help they’re ready, willing and able. It makes it easier to focus more on keeping my restaurant profitable and smooth. Ron Bordone-President https://totalbenefits.net/testimonials/petes-clown-house-luncheonette/ Bucks County Women’s Healthcare Our ten employee medical practice had a large well known insurance broker for years. We always assumed we were receiving the best service. Total Benefit Solutions Inc. came in and left no stone unturned in their evaluation. The savings they provided was equal to 50% of what we were previously paying. In addition we wound up with better medical and dental plans and an overall enhanced benefit program. We couldn’t be more thrilled with the services of Total Benefit Solutions, Inc. Thanks Ed!” -Carmela Gabrieli Controller, Bucks County Women's Healthcare Total Benefit Solutions Inc Health Insurance and Benefits 2015-01-24T20:23:05-05:00 Total Benefit Solutions Inc. came in and left no stone unturned in their evaluation https://totalbenefits.net/testimonials/bucks-county-womens-healthcare/ I am so grateful for the amazing service! I was completely lost when looking for new health insurance. I called several brokers, and none would take the time to explain everything to me. He took his time and explained everything to me and answered every question I asked, without sounding annoyed. I am so grateful for the amazing service! I highly recommend! Ariel Muller Total Benefit Solutions Inc Health Insurance and Benefits 2017-12-31T09:21:57-05:00 Ariel Muller I am so grateful for the amazing service! https://totalbenefits.net/testimonials/i-am-so-grateful-for-the-amazing-service/ American Dream Financing I have worked with Ed and (Total Benefit Solutions) EMA Benefits many times in the past. Ed and his office staff give GREAT service and always provide great rates. I have also referred many friends and family to Ed and EMA and those referrals were always taken care of and happy after they signed up. If your ever looking for insurance, think of them! Brett Stern, Principal-American Dream Financing Total Benefit Solutions Inc Health Insurance and Benefits 2015-02-02T21:00:54-05:00 I have worked with Ed and (Total Benefit Solutions) EMA Benefits many times in the past. Ed and his office staff give GREAT service and always provide great rates. I have also referred many friends and family to Ed and EMA and those referrals were always taken care of and happy after they signed up. If your ever looking for insurance, think of them! Brett Stern, Principal-American Dream Financing https://totalbenefits.net/testimonials/american-dream-financing/ Wolf Island Networks It has been an excellent experience getting health insurance from Total Benefit Solutions Inc. You and your staff are most professional and very responsive.” John Rodia, President Total Benefit Solutions Inc Health Insurance and Benefits 2015-01-26T09:37:07-05:00 It has been an excellent experience getting health insurance from Total Benefit Solutions Inc. You and your staff are most professional and very responsive.” John Rodia, President https://totalbenefits.net/testimonials/wolf-island-networks/ Very knowledgeable and experienced. -John K. Total Benefit Solutions Inc Health Insurance and Benefits 2019-01-07T13:03:42-05:00 Very knowledgeable and experienced. -John K. https://totalbenefits.net/testimonials/9881/ Webucast Ed is always quick to return a phone call. His company provides great service and has saved me thousands of dollars throughout the years. Thanks Ed! Igor Bogdanov, Principal, Webucast Total Benefit Solutions Inc Health Insurance and Benefits 4 2015-02-02T21:00:50-05:00 Ed is always quick to return a phone call. His company provides great service and has saved me thousands of dollars throughout the years. Thanks Ed! Igor Bogdanov, Principal, Webucast https://totalbenefits.net/testimonials/webucast/ Tristar Lighting Your service and responsiveness is incredible. I’ve never had a better insurance broker! David Zarrinnia, President Total Benefit Solutions Inc Health Insurance and Benefits 2015-01-26T09:38:35-05:00 Your service and responsiveness is incredible. I’ve never had a better insurance broker! David Zarrinnia, President https://totalbenefits.net/testimonials/tristar-lighting/ Zola Makrauer DMD Ed is an expert in health insurance. I am a health care provider myself and I know how difficult this business can be. He is knowledgeable with all of the health insurance companies in our area. If you are looking for health insurance I would not pass up Ed for a quote he is great for single plans as well as plans for groups for business owners. Zola Makrauer DMD Total Benefit Solutions Inc Health Insurance and Benefits 2015-02-09T07:53:06-05:00 Ed is an expert in health insurance. I am a health care provider myself and I know how difficult this business can be. He is knowledgeable with all of the health insurance companies in our area. If you are looking for health insurance I would not pass up Ed for a quote he is great for single plans as well as plans for groups for business owners. Zola Makrauer DMD https://totalbenefits.net/testimonials/zola-makrauer-dmd/ Ed and his staff have helped my husband and myself with our insurance for years. Great people to work with and extremely knowledgeable. - Kathleen Broderick Total Benefit Solutions Inc Health Insurance and Benefits 5 2019-01-07T11:57:50-05:00 Ed and his staff have helped my husband and myself with our insurance for years. Great people to work with and extremely knowledgeable. - Kathleen Broderick https://totalbenefits.net/testimonials/9870/ Travel Authority Ed, you and your team have done it once again. Thanks for taking the time to come onsite and meet with us and our staff to help us understand the new HRA benefit. As always you have gone above and beyond the call. Thank you! Barry Gerber, President Total Benefit Solutions Inc Health Insurance and Benefits 2015-01-26T09:40:34-05:00 Ed, you and your team have done it once again. Thanks for taking the time to come onsite and meet with us and our staff to help us understand the new HRA benefit. As always you have gone above and beyond the call. Thank you! Barry Gerber, President https://totalbenefits.net/testimonials/travel-authority/ Amy H If you two were in front of me I’d hug you right now. Now I have more money in my checking account than I thought! AWESOME! Amy H- Individual Client on the healthcare.gov marketplace Total Benefit Solutions Inc Health Insurance and Benefits 2015-01-24T20:32:14-05:00 "If you guys were here I'd hug you!" https://totalbenefits.net/testimonials/amy-h/ Art 4 Business "Since Ed and his team at started handling our account, we have saved money each year, and help is only a quick phone call away." Heather Gibson, COO, Art 4 Business Inc Total Benefit Solutions Inc Health Insurance and Benefits 2015-01-19T09:46:49-05:00 Since Ed and his team at started handling our account, we have saved money each year https://totalbenefits.net/testimonials/art-4-business/ I was completely lost when looking for new health insurance. I called several brokers, and none would take the time to explain everything to me. (They )took the time and explained everything to me and answered every question I asked, without sounding annoyed. I am so grateful for the amazing service! I highly recommend Total Benefit Solutions, Inc! -Ariel M. Total Benefit Solutions Inc Health Insurance and Benefits 2018-05-29T09:43:15-04:00 I was completely lost when looking for new health insurance. I called several brokers, and none would take the time to explain everything to me. (They )took the time and explained everything to me and answered every question I asked, without sounding annoyed. I am so grateful for the amazing service! I highly recommend Total Benefit Solutions, Inc! -Ariel M. https://totalbenefits.net/testimonials/7925/ CBDI, Inc