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Community News features the latest news, announcements and events that ACA Business Club members are involved in within the community. To post please email your copy and images to Support@acanetwork.org.

  • 10/18/2016 3:01 PM | Marcus Hood

    With many Health insurance companies either leaving the individual market or discontinuing their current offerings both on and off the government exchange, it’s very important that everyone understands how this new age of purchasing health insurance works.

    Starting in 2014 all plans under Obamacare have a true annual out of pocket maximum amount for consumers. This means all your medical expenses including prescriptions have an ending point where the insurance carrier must cover the remaining balance at 100% with an unlimited maximum amount on their end.

    Health Insurance carriers can no longer underwrite so all pre-existing conditions including maternity are covered with premiums based on age, not gender. Now that all health insurance is guaranteed issue, the time to purchase a new plan or to change plans is during open enrollment. For 2017 you have from November 1st through December 15th to decide on a plan starting January 1st. After the 15th of December the effective dates will be either February 1st or March 1st with open enrollment ending January 31st. The only other time an individual or family may enroll is within 60 days of a qualifying event. (Examples: Losing group or individual coverage, change in family or moving to a new state) This is known as a special enrollment period.

    Unless one qualifies for a waiver, we must all be covered or make what the government calls, an individual shared responsibility payment. (AKA tax penalty). The payment for not having health insurance in 2017 is the greater of, 2.5% of the taxpayer’s household income (Above the tax return filing threshold for the taxpayer’s filing status) or the taxpayer’s flat dollar amount, for 2016 it’s $695 per adult and $347.50 per child under 18. The maximum penalty per family using this method in 2016 is $2,085.

    Healthcare in general and the many mandates have driven premiums higher than ever with the only relief for some is purchasing through the new federally-implemented exchange known as the Federally Facilitated Marketplace (FFM). These FFM plans are for individuals or families that qualify (income below 400% of poverty*) for a subsidy or tax credit to reduce their premium expense. Below is a chart showing qualifying poverty level amounts. The lower the income, (above the 2016 poverty level but below 400%) the larger the subsidy amount. This may also include lowering the out-of- pocket medical costs known as cost sharing.

    2016 Federal Poverty Level Chart*

    The Department of Health & Human Services (HHS) issues poverty guidelines that are often referred to as the “federal poverty level” (FPL). Federally-facilitated Marketplaces will use the 2016 guidelines when making calculations for the insurance affordability programs starting November 1, 2016.The FPL varies according to household size, and the number is adjusted for inflation and updated annually. 

     Household Size

     100%

     133%

     150%

    200%

    250%

     300%

    400%

     1

    $11,880

    $15,800

    $17,820

    $23,760

    $29,700

    $35,640

    $47,520

     2

    16,020

     21,307

    24,030

      32,040

    40,050

    48,060

    64,080

     3

    20,160

     26,813

    30,240

      40,320

    50,400

    60,480

    80,640

     4

    24,300

     32,319

    36,450

      48,600

    60,750

    72,900

    97,200

     5

    28,440

     37,825

    42,660

      56,880

    71,100

    85,320

    113,760

     6

    32,580

     43,331

    48,870

      65,160

    81,450

    97,740

    130,320

     7

    36,730

     48,851

    55,095

      73,460

    91,825

    110,190

    146,920

     8

    40,890

     54,384

    61,335

      81,780

    102,225

    122,670

    163,560

     

    The premium tax credit is based on projected annual household income, family size, and the cost of the second lowest cost Silver level (actuarial value (AV) 70%) benchmark plan for that individual or family. The Marketplace uses this information to compute a maximum premium tax credit, which can then be applied in part, or in full, to reduce the monthly premiums of one or more Qualified Health Plans.

    Unfortunately 2017 will be a challenge for many with even higher premiums, narrower networks of hospitals and doctors and fewer plan choices. Brokers and agents are also feeling the pain as commissions continue to decrease with some carriers totally eliminating payment for brokers assisting their clients on the hardest enrollment portal to navigate; the governments Marketplace. Working with a broker can save a considerable amount of time by easily comparing plans and costs, discussing out-of-pockets, prescription drug coverage and what hospitals and doctors participate in the network choices like EPO’s HMO’s and PPO’s.

    Don’t be surprised if you have to pay for the advice of a professional health insurance agent this year if you plan on enrolling in the Marketplace. What’s really sad is this may leave many consumers having to do it themselves, spending hours relying on non- licensed enrollers who don’t understand the local networks and many times recommend plans they don’t understand.

    For most people, in part or in whole, the proclaimed savings, keeping our doctors and current health plan were all false thanks to the healthcare law. We can only hope that our lawmakers and new president can fix this mess we’re in. As the president of our local chapter of the National Association of Health Underwriters, an association with a voice in Washington DC and across the US, I highly recommend working with a professional broker who educates themselves and knows the products being offered. You may go to our local webpage www.gkcahu.org  to find local members who can help you through the process.       

    Marcus Hood has been servicing several hundred clients in both the individual and employer group market for over 15 years. As president of the Greater Kansas City Association of Health Underwriters he works with a board to provide monthly continuing education luncheons for over 100 local members of the National Association. NAHU.org

    Marcus can be reached at 913-486-8479 or missionman@msn.com


  • 10/11/2016 9:43 AM | Anonymous


    A data breach can happen to any organization regardless of size.  A recent IBM study revealed an average consolidated cost of a data breach of approximately $3.8 million; a 23% increase from 2013.  Additionally, the Identity Theft Resource Center found approximately 22% of breaches are due to insider theft, and 12% are simply a matter of accidental exposure.

    You can keep your company and your employees safe from these dangerous data breaches by ensuring adherence to a few tried-and-true security best practices:

    1.       Always update:  Patch management of your technological landscape is a priority of a solid security footing.  Criminals are always looking to exploit vulnerabilities as they poke and prod your network for a foothold.

    2.       Next Generation Firewall:  Unified threat management at the edge of your network is incredibly important.  Firewalling is critical, but additional layers of protection like antivirus and content filtering adds layers to the defense of your network.

    3.       Mobile Device Management:  The accelerating pressure on companies to allow employees to BYOD (Bring Your Own Device) continues to significantly impact the security of networks.  The Internet of Things (IoT) brings this to an entirely new, unprecedented level.  You must have policies and procedures in place to manage these devices.

    4.       Encrypt Laptops / Mobile Devices:  As the work place becomes more and more mobile, there are increased chances of data exposure due to stolen or lost devices.  Encrypting your mobile is a necessity to protect your data security.

    5.       Acceptable Usage Policy:  Your staff needs to understand what is considered acceptable use of company data and equipment.  The policy must have clearly outlined definitions of misuse and equal clarity in the repercussions of unacceptable usage.

    6.       Spam Management:  Spam clogs servers, chokes network bandwidth, saps productivity and makes it harder to use email effectively.  However, the real impact of spam, coupled with social engineering, is it is an often exploited opening into your network.

    7.       Develop a Security Culture:  Everyone in your company has to buy into the concept that cybersecurity is a real issue with company ending consequences if not taken seriously.  This culture has to be created from ownership and C-level down; it is a top down commitment or it will not be a reality.

    8.       Employee Training:  Make sure your employees (and you) understand the various dangers.  What is a phishing attack?  What is social engineering?  What is the problem with being “click happy”?

    9.       Enforce Policies:  A policy is only as good as the enforcement of the policy.  If people don’t know or care about the consequences of not following procedures, then they will not follow them.

    10.    Network Administration:  Audit your network for credentials from former employees; disable said accounts.  Set password policies to a certain complexity and length.  Restrict employees network access to only those files they need for performance of their job.

    11.   Disaster Recovery / Business Continuity Plan:  If all fails and you experience a loss of data, a robust backup is your best friend.  Being able to roll back your dataset to a point in time before the malware took effect, or the corruption of your data occurred, is often the difference between failure and success.

    12.   Media and Public Relations Management:  Employees must be trained on how to handle the public and the media in the event of a data breach.

    13.   Obtain Cyber Liability Insurance:  Like all insurance, you won’t be happy with it until it saves you from having to dole out excessive amounts of money.

    This list of practices is not exhaustive.  It is a simple list to help you understand some of the steps it takes to prevent and respond to data breaches.  Please take the time to consult your IT partner to discuss these ideas in more depth.  Remember, best practices are the foundation of an effective cybersecurity strategy.  Your cybersecurity policies need to be documented, taught, audited and enforced.

    For more information contact Sean Callahan at 913.528.6008 or email sean.callahan@aureon.com. Visit www.aureon.com. 

  • 10/10/2016 8:30 PM | Anonymous

    Prestige Partners cordially invite you to attend a training that will break through any barriers you have and move your business to the next level. 

    You will learn the following:

    • Breaking the Barriers that Hold Your Business Back. 
    • Transform Your Thinking – Transform Your Business
    • Creating a New Future for Your Business
    • Rising to True Entrepreneurism 
    • Achieving the Freedom to Sky-Rocket Your Business 
    • How to Actualize the Business Results YOU Want

    This class starts on October 12th at 4:00 p.m. to 5:30 p.m. and continues for three additional weeks. The class will be held at the Overland Park Chamber - 9001 W 110th St #150, Overland Park, KS 

    NON-MEMBERS ARE WELCOME! 

    NON-MEMBERS REGISTRATION - CLICK HERE

    Location: Overland Park Chamber 

    9001 West 110th St. #150, Overland Park, KS

     

  • 10/07/2016 7:18 AM | Anonymous

    Wealth Management is hosting Dr. Randy Shepard, one of America's foremost college funding advisors, who will provide college funding strategies showing families of college bound students how to save thousands of dollars on the high costs of college. Learn how the college funding process really works, how to increase your student's financial aid opportunities, how to find out where the real money is for college, how to attend a private college cheaper than a state school, and how business owners can utilize little-used tax strategies to save thousands of dollars. Also, learn the tricks to saving thousands of dollars on college text books! Dr. Randy Shepard provides more than 17 years of college funding expertise and has helped hundreds of families save thousands of dollars.

    NOVEMBER 3, 2016

    Location:  ACA Business Club of Overland Park

    7092 West 105th, OP KS

    (behind d'Bronx at 105th & Metcalf)

  • 10/06/2016 3:17 PM | Anonymous

    If you or someone you know have questions about the Affordable Care Act or simply want a health insurance review this is for you!


  • 10/05/2016 12:39 PM | Anonymous


  • 10/03/2016 4:21 PM | Bob Young

    As many of you know I ride (rode) a Harley. Sold it & replaced it with my little flip top. If you or anyone you know rides a bike I have ALL the gear for sale.

    Men's Medium & Ladies small for riding gear / rain suits / Leathers = coats, chaps, vests & more.  Helments, tour packs, and lots of other accesories. 

    Bob  816-305-8017 cell 





  • 09/17/2016 9:57 AM | Emma Toops

    MAKE YOUR TRANSITION TO CIVILIAN LIFE EASIER!

    Are you or someone you know planning for or in the midst of separating from military service?

    Have you or someone you know already separated from service, but still feel that "reintegration" into a new normal as a civilian has yet to happen?

    Are you a military spouse who has had a hiatus from the work force and having challenges in how to re-enter it?

    If any of these questions apply to you, then the Return With Purpose Workshop is an event that can help you. This is NOT focused on career skills, resumes, or translating your skills and experience. This is nothing like what the Transition Assistance Program (TAP) covers.

    Return With Purpose is about learning how to honestly see yourself and your environment; how your beliefs and way of thinking drive your decisions and behaviors; and is a safe, trusting, and learning environment where you can get personalized help in how to create a plan for yourself in successfully achieving your goals.

    WHEN: Saturday, October 15, 8:00 AM - 5:00 PM

    WHERE: ACA Business Club of Overland Park

    7092 W. 105th St.

    Overland Park, KS 66212

    HOW: RSVP to emma@toopsconsulting.com 

    ** REGISTRATION IS FREE **   ** ALL MATERIALS ARE PROVIDED **

    For more information, call (913) 967-9745 or go to the following link:

    Return With Purpose Workshop Details

  • 09/07/2016 2:38 PM | Anonymous

    The Executive Summit features an exclusive interview each month with a leading executive in our community. You will have a unique opportunity to hear their story and the successes, along with the challenges they have encountered on their journey. There will be time for an interactive Q&A as well. The Summit also includes time for strategic relationship building among ACA Business Club members and guests. 

    Our founder, David Elyachar began his floor covering career as a retail carpet salesman. He worked his way up to sales manager and eventually became a mill representative. This experience afforded him extensive knowledge in all areas of the floor covering business. In addition, David developed solid contacts and personal relationships throughout the industry that have aided him in the development of his venture. These contacts continue to play a vital role in the success of Big Bob’s Flooring Outlets.

    In late 1983, David and his family decided to replace the “like new” carpet in their recently purchased home. The carpet did not match their furnishings but was nearly new. It seemed wasteful to simply discard it, so they opted to advertise the carpet in the Sunday classifieds. To their surprise, the entire house-full of carpet sold immediately and over 50 calls were received from that single advertisement. The overwhelming response sparked an idea. After checking the yellow pages for a “Used Carpet” listing and finding none, an opportunity was discovered.

    Nine days after that infamous ad, a business, marketing and operational plan had been written, forms printed, warehouse rented, and inventory purchased. The rest as they say... is history.

    Big Bob’s Used Carpet has evolved into Big Bob’s Flooring Outlet and is now more than just a First Quality Flooring Outlet Franchise business. There are currently over 50 locations nationally, providing America’s customers with great value, quality products and outstanding service.

    Big Bob’s Flooring Outlet in Kansas City and Saint Joseph has now evolved into Big Bob’s Outlet and is not just a First Quality Flooring Outlet. A huge selection of in-stock Flooring, Furniture and Mattresses are available at each of our 3 large locations. What started off in 1983 as a small Used Carpet Shop in a 4,000 square foot warehouse has turned into beautiful showrooms with over 125,000 square feet of new inventory—in-stock and available for immediate installation and/or delivery.

    At your service! 

      

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