On June 1, 2018, New Jersey Gov. Murphy passed the Out-of-Network Consumer Protection, Transparency, Cost Containment and Accountability Act (the “OON Act”). In general, the OON Act applies to emergency services and other care provided by out-of-network physicians in in-network settings (i.e. hospital-based physicians). It  takes effect on September 1, 2018.

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For more information or if you have any questions, please feel free to contact your Total Benefit Solutions Account Manager at 215-355-2121

 


Highly recommend. They took the time even when it was the busiest time of year for healthcare. They explained the details patiently to help stream the process painlessly.


-Gina DeSumma

Total Benefit Solutions Inc Health Insurance and Benefits
5
2019-01-07T11:44:48-05:00
Highly recommend. They took the time even when it was the busiest time of year for healthcare. They explained the details patiently to help stream the process painlessly. -Gina DeSumma

Stephen Forbus

lquoteEd, 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 ForbusRquote
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

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




"Kim went above and beyond in helping find a new individual medical insurance plan for me. We met in person to go over all the questions I had about the different types of plans and how they worked. I felt really taken care of."


-Margaret F.



Total Benefit Solutions Inc Health Insurance and Benefits
2018-07-31T12:50:58-04:00
"Kim went above and beyond in helping find a new individual medical insurance plan for me. We met in person to go over all the questions I had about the different types of plans and how they worked. I felt really taken care of." -Margaret F.

Damar Communications

lquoteWhen 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: Rquote
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: 

Superior Commercial Kitchens

lquote“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 

Rquote
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

Sign-A-Rama-Feasterville

lquote“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, PresidentRquote
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

Chris Handley

lquoteI work with dozens of insurance brokers in Southeastern Pennsylvania. Personally, I have never met a health insurance broker who cares more about his clients. Ed is always looking for innovative ways to provide his clients the highest quality coverage, and at prices that are affordable. Ed is one of the few people that I would trust to provide my own family with insurance.

Chris Handley, Account Executive  Savoy & Associates (United Healthcare)Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-02-02T21:00:40-05:00
I work with dozens of insurance brokers in Southeastern Pennsylvania. Personally, I have never met a health insurance broker who cares more about his clients. Ed is always looking for innovative ways to provide his clients the highest quality coverage, and at prices that are affordable. Ed is one of the few people that I would trust to provide my own family with insurance. Chris Handley, Account Executive  Savoy & Associates (United Healthcare)

RMS Services

lquoteYour help saved us thousands of dollars on our renewal. Plus you took the time to explain the benefits to us and our staff, which in itself is an invaluable service. Thanks again!

Frank McCafferty, PresidentRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:42:41-05:00
Your help saved us thousands of dollars on our renewal. Plus you took the time to explain the benefits to us and our staff, which in itself is an invaluable service. Thanks again! Frank McCafferty, President

Beth Sholom Congregation

lquote"Ed takes the time each year to review our current plans, our goals for the future evaluate our options and explain all of the choices thoroughly.

Rquote

Harvey Friedrich, Executive Director, Beth Sholom Congregation 

 
Total Benefit Solutions Inc Health Insurance and Benefits
5
2015-01-26T10:04:53-05:00
"Ed takes the time each year to review our current plans, our goals for the future evaluate our options and explain all of the choices thoroughly. Harvey Friedrich, Executive Director, Beth Sholom Congregation   

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

Shevlin Investments

lquoteEd and my account manager make me feel like their biggest, most important client each time I call. You can’t ask for more than that!

Barry Shevlin, President Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:34:11-05:00
Ed and my account manager make me feel like their biggest, most important client each time I call. You can’t ask for more than that! Barry Shevlin, President

AquaReale

lquoteEd and his team promised us great service and they have delivered. Ed takes the time to answer every question one might have and makes sure we are getting the most for our money. I would highly recommend Total Benefit Solutions Inc. to any small business looking for the best health insurance plan they can get. -Laura Reale, AquaReale IncRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T10:06:28-05:00
Ed and his team promised us great service and they have delivered. Ed takes the time to answer every question one might have and makes sure we are getting the most for our money. I would highly recommend Total Benefit Solutions Inc. to any small business looking for the best health insurance plan they can get. -Laura Reale, AquaReale Inc

Tom & Geri’s World Travel

lquoteEven though I have a very small company (Total Benefit Solutions Inc.) takes the time each year to review everything and help me make a decision that benefits our firm.

Tom Mellon, PresidentRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:41:58-05:00
Even though I have a very small company (Total Benefit Solutions Inc.) takes the time each year to review everything and help me make a decision that benefits our firm. Tom Mellon, President

Dr Franklin Strong

lquote-grn

Thank you for you great assistance and explanations through this insurance maze for Nancy and I….click here to read the letter from Dr StrongRquote-grn
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

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

David Fiebert Inc

lquoteWe have been working with (Total Benefit Solutions Inc.) since we decided to start our own company benefit plan. Ed and his team took the time to answer each question along the way, and advised us about the challenges even before they happened. The support provided to us was invaluable in many aspects of running our company, not just getting the benefits installed. In retrospect I cannot imagine how any small business could complete the process on their own without creating more problems for themselves. It could have been an enormous headache, but instead it was smooth from beginning to end. Thanks!

-David Fiebert, PresidentRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:55:24-05:00
We have been working with (Total Benefit Solutions Inc.) since we decided to start our own company benefit plan. Ed and his team took the time to answer each question along the way, and advised us about the challenges even before they happened. The support provided to us was invaluable in many aspects of running our company, not just getting the benefits installed. In retrospect I cannot imagine how any small business could complete the process on their own without creating more problems for themselves. It could have been an enormous headache, but instead it was smooth from beginning to end. Thanks! -David Fiebert, President

Craven Moore

Extremely helpful professionals. Very fast in responding and taking the time to answer all of our questions when our small company decided to offer a new health benefits plan. Highly recommended for companies struggling with health insurance costs and trying to figure everything out. They made it easy to understand, choose and get up and running. -Craven Moore 

Total Benefit Solutions Inc Health Insurance and Benefits
5
2019-01-07T12:08:06-05:00
Extremely helpful professionals. Very fast in responding and taking the time to answer all of our questions when our small company decided to offer a new health benefits plan. Highly recommended for companies struggling with health insurance costs and trying to figure everything out. They made it easy to understand, choose and get up and running. -Craven Moore 

A.L. Verna & Company

lquote

We thought we had a good broker until we met Ed and the team. They helped us avoid making a mistake that would have cost us thousands more.

Thanks Ed!-Paul Verna, PresidentRquote

 
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T10:08:29-05:00
We thought we had a good broker until we met Ed and the team. They helped us avoid making a mistake that would have cost us thousands more. Thanks Ed!-Paul Verna, President  

The Gannon Agency

lquote“Thanks again for the top notch service that you have provided to my office and to my customers that I have referred to you. Total Benefit Solutions is the best!”.

Steve Gannon, President , The Gannon Agency Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-24T20:54:15-05:00
"Total Benefit Solutions is the best

Total Child Care

lquoteI'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, CEORquote

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

Riverside Physical Therapy

lquoteI strongly recommend the team at Total Benefit Solutions Inc. for handling your health insurance and benefits. I’d never switch!

Joe Tomasetti, President Riverside Physical Therapy Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:43:27-05:00
I strongly recommend the team at Total Benefit Solutions Inc. for handling your health insurance and benefits. I’d never switch! Joe Tomasetti, President Riverside Physical Therapy

Greater Philadelphia Abstract

lquoteEd and his team are an invaluable resource always available to answer questions/concerns.

Susan Harrison, Principal, Greater Philadelphia Abstract AgencyRquote
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

Bryan Perchick

lquoteAs 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!  Rquote

-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!  

CBDI, Inc

lquoteEd is the most innovative and communication oriented broker that I have ever had the pleasure of working with. He has the most sophisticated software to service his client book of business, so that he doesn't miss a beat! Ed and I have worked together on many presentations and with various associations. He shares a true passion for helping clients small and large, which I do not find in many brokers. He is a dedicated member of the Board at the Lower Bucks County Chamber of Commerce, not to mention his many public service roles in Rotary, etc...I admire his ability to find time to help so many people!

Amy Murray Hyde, Account Representative, CBDI, Inc.Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-02-02T21:00:34-05:00
Ed is the most innovative and communication oriented broker that I have ever had the pleasure of working with. He has the most sophisticated software to service his client book of business, so that he doesn't miss a beat! Ed and I have worked together on many presentations and with various associations. He shares a true passion for helping clients small and large, which I do not find in many brokers. He is a dedicated member of the Board at the Lower Bucks County Chamber of Commerce, not to mention his many public service roles in Rotary, etc...I admire his ability to find time to help so many people! Amy Murray Hyde, Account Representative, CBDI, Inc.

American Dream Financing

lquoteI 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 FinancingRquote
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

Sales Pros 4 Hire

lquoteEspecially thank you for helping my wife and I sail through the new Affordable Care Act. You and your team made the complicated seem simple and select the plan best suited for our health insurance needs. Thanks!

Mike Hilbert, President, Sales Pros 4 HireRquote
Total Benefit Solutions Inc Health Insurance and Benefits
5
2015-02-02T21:04:03-05:00
Especially thank you for helping my wife and I sail through the new Affordable Care Act. You and your team made the complicated seem simple and select the plan best suited for our health insurance needs. Thanks! Mike Hilbert, President, Sales Pros 4 Hire

Travel Wizards

lquoteEven though I have met many insurance brokers over the years, I’ve found Ed MacConnell and his staff at (Total Benefit Solutions Inc.) to be the best. Thoughtful, informative and professional. They reduced my premiums significantly while at the same time getting me a better benefit. Thanks Ed!

Arlene Blosch, PresidentRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:41:26-05:00
Even though I have met many insurance brokers over the years, I’ve found Ed MacConnell and his staff at (Total Benefit Solutions Inc.) to be the best. Thoughtful, informative and professional. They reduced my premiums significantly while at the same time getting me a better benefit. Thanks Ed! Arlene Blosch, President

Christine Taylor

lquote

I have been working with Ed and his team for a few years now and their level of professionalism as well as timeliness never fails, even when it is late into the night at times. Thank you all for making this process smooth & easy which would certainly not be the case on my ownRquote.

Christine Taylor: Self Employed

Total Benefit Solutions Inc Health Insurance and Benefits
2016-02-06T12:43:18-05:00

Christine Taylor: Self Employed

I have been working with Ed and his team for a few years now and their level of professionalism as well as timeliness never fails, even when it is late into the night at times. Thank you all for making this process smooth & easy which would certainly not be the case on my own.

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

Kris Kreisher

lquoteWe 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!!!! 🙂     Rquote


-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!!!! 🙂

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

Media Components

lquoteEd MacConnell always strives to go one step ahead of the competition by providing superb customer service at his firm. His personality and friendly approach to all challenges make him stand out from other Insurance Brokers. Ed is a true networking guru and community benefactor and I would recommend his services to all of my friends and colleagues.”

Denis Sinelkov-President Media Components

Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-24T21:02:49-05:00
I would recommend his services to all of my friends and colleagues

Uncle Bill’s Country Market

lquoteComing 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, PresidentRquote
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

The staff at Total Benefit Solutions are knowledgeable and helpful. They've been a great partner to help me navigate health insurance for my senior mother. Anytime I've had a question or concern, Ed has been there to consult with and offer advice. I highly recommend them!


-Deb H

Total Benefit Solutions Inc Health Insurance and Benefits
2019-01-07T13:08:47-05:00
The staff at Total Benefit Solutions are knowledgeable and helpful. They've been a great partner to help me navigate health insurance for my senior mother. Anytime I've had a question or concern, Ed has been there to consult with and offer advice. I highly recommend them! -Deb H

Cardinal International Grooving & Grinding

lquoteYou and your staff have been nothing short of terrific in handling our medical insurance coverage, changes and renewals.

-Linda Organski, Director of Human ResourcesRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:59:36-05:00
You and your staff have been nothing short of terrific in handling our medical insurance coverage, changes and renewals. -Linda Organski, Director of Human Resources

Netstride Internet Solutions

lquoteThe daunting landscape of health insurance is difficult for any business owner or individual to navigate. Ed and his team make the process really easy. We’ve been with Total Benefit Solutions Inc. for many years, and we recently decided to switch our plans. Both Ed and Amber spent time walking us through the various options, including the pros and cons of each plan and answered countless questions. Their patient guidance allowed us to pick a plan that we feel best meets the needs of our business and employees.

Gregory Tarallo, President  Netstride Internet SolutionsRquote

 

Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-25T18:31:43-05:00

 

Their patient guidance allowed us to pick a plan that we feel best meets the needs of our business and employees.

Webucast

lquoteEd 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, WebucastRquote
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


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.

Van Dyne Insurance

lquoteI 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 AgencyRquote
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

They really know what they are doing



 

They really know what they are doing and will take great care of you! 

Carol Woytus, Vacation Magic Travel

Total Benefit Solutions Inc Health Insurance and Benefits
2017-12-31T09:11:31-05:00

Carol Woytus, Vacation Magic Travel

They really know what they are doing and will take great care of you!

Bruce McIntyre

lquote-grnEd, and his group, is perhaps the most knowledgeable in PA for healthcare. Note that while Ed has major misgivings with ACA, he has taken the time to read the legislation, and to understand it's implications, and to provide advice to his customers based on reality, not some right or left wing fantasy.  If you want actual information on healthcare, talk to Ed and his group.-Bruce McIntyreRquote-grn
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:24:16-05:00
Ed, and his group, is perhaps the most knowledgeable in PA for healthcare. Note that while Ed has major misgivings with ACA, he has taken the time to read the legislation, and to understand it's implications, and to provide advice to his customers based on reality, not some right or left wing fantasy.  If you want actual information on healthcare, talk to Ed and his group.-Bruce McIntyre