this issue · ibj article by dennis wright p. 2 self funding cert. course p. 3 hupac ... we are...
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IBJ Article by Dennis Wright P. 2 Self Funding Cert. Course P. 3 HUPAC Update P. 4-5 ISAHU-PAC Update P. 6 ISAHU-PAC Contributions P. 7 Awards Update P. 8 Member Celebrations P. 9
December 2017
Board Members
President Denny Wright
President-Elect Don Griffey
Past President Jennifer Revell
Secretary Anita Strauss
Treasurer Rita Musser
Awards Chair Carolyn Beck
Communications Chair Jeff Goodwin
Education Chair Cindy Trahin
ISAHU-PAC Chair Roger Skinner
HUPAC Chair David Berman
Legislative Chair Dwight Hall
Technology/Marketing Chair Amber Frey
Media Relations Shawn Gibbons
Membership Chair Mike Watts
Retention Chair Jessica Croquart
ISAHU www.isahu.org December 2017 Page 1
As I write this article, many of us are wrapping up the 4th quarter and the
open enrollment season. For me personally, this seems to have been one of the busiest 4
th quarters in memory and I am glad it is winding down. As we
approach the end of 2017 and prepare for 2018, your state association has many plans underway for the future.
Your state membership team of Mike Watts and Jessica Croquart are in the process of working on a strategic membership plan that will consist of establishing a master membership prospect database and an organized, systematic process to periodically encourage those individuals on the master database to become NAHU members. More details on this will be forthcoming soon, but we will be asking all local chapters to work with our state membership team in order to make this new strategic membership plan successful.
We are also working on an ISAHU affinity program to supplement our dues revenue and corporate sponsorship revenue in order to provide additional income to our state association that will help expand our budget and offer more value added programs for our membership. We are aware of other state NAHU chapters around the country that have very successful affinity programs that generate significant additional revenue for their chapters, so we have decided to develop our own affinity programs. ISAHU Communications chair Jeff Goodwin has volunteered to lead this project.
When I agreed to be President-Elect last year, I told then ISAHU President, Jennifer Revel, that one of my priorities would be to get our state political action committee, ISAHUPAC, reorganized and refocused. Under the leadership of ISAHUPAC Chair, Roger Skinner, I am pleased to report that your state PAC has been refocused with some very positive results. We have an active ISAHUPAC Board of Directors that meets bi-monthly and ISAHUPAC contributions are up…….both in terms of total dollars and the number of ISAHU members who are contributing. Earlier this year, the South Central Indiana AHU chapter issued a challenge to the other chapters in the state and I am pleased that several chapters around the state answered that challenge by contributing to ISAHUPAC. We should all thank Roger and the entire ISAHUPAC Board for the good work they are doing as well as all of the ISAHU individual members and local chapters who have contributed to our state PAC.
As we close out 2017, I want to wish everyone a happy and joy-ous holiday season. Thank you all for everything you do for our association and our industry that makes a difference!
Denny Wright ISAHU President [email protected] 260-416-1980
Legislative Update P. 10 Chapter Updates P. 11-12 Chapter Holiday Flyers P. 13 Save the Date! P. 14 Why NAHU P. 15 Membership Application P. 16
This issue
ISAHU www.isahu.org December 2017 Page 2
Congress Must Stabilize the Individual Health Insurance Market
by Dennis Wright, RHU, CSFP, ISAHU President
Senators Lamar Alexander (R-TN) and Patty Murray (D-WA) just created a bipartisan bill to improve health insurance markets. The deal allocates funds for cost-sharing reductions, which reduce out-of-pocket costs for low-income beneficiaries. The senators' bill is a welcome step to stabilizing the individual markets nationally as well in the State of Indiana.
One of the main reasons the individual market is unstable is because it lacks enough young, healthy enrollees paying premiums to offset the claim costs of older, sicker enrollees. Actuaries project that millennials must comprise 40 percent of the individual market pool if rates are to be stable. But only 28 percent of enrollees are 34 or younger.
Consequently, health insurers have struggled. Anthem lost $374 million selling such policies in 2016. Many insurers are responding to these losses by reducing or eliminating agent commissions or pulling out of the individual market altogether. Nearly 40 percent of those that sold plans in 2017 won't do so next year. Over the past two years in the State of Indiana, several major carriers have made the business decision to exit the individual health insurance market. In 2018, only two insurers will offer individual health coverage on the federally facilitated marketplace in Indiana.
The insurers that are sticking around have raised premiums drastically -- this year, by an average of 25 percent. In 2018, premiums could increase even more. This is unsustainable. Repeated hikes discourage healthy people from enrolling. Only sick people with high medical bills would still find these plans attractive. Insurers would have to boost premiums further to cover their costs. That would cause even more healthy people to drop coverage. Eventually, the individual market will collapse.
Congress could prevent these price increases and lower premiums by eliminating the Health Insurance Tax (HIT). This sales tax on health plans is expected to increase premiums by $158 for individual plans and $188 for large group insurance in 2018.
Congress already suspended HIT for one year in 2017. Lawmakers would be wise to eliminate it completely.
Lower premiums would make plans more attractive -- particularly for young, healthy Americans who previously went without health insurance. The more people in the individual market, the easier it is for insurers to accurately project overall costs -- and avoid the need for massive rate hikes from year to year.
Congress could also give states more funding and flexibility to enact their own reforms. For instance, Alaska previously implemented a $55 million "reinsurance" program for high-cost enrollees. Essentially, the state helped pay claims for extremely sick enrollees. That reduced the financial burden on insurers and enabled them to lower overall premiums by 24 percent.
While states should have the flexibility to innovate on health reform, Congress should establish safeguards to promote positive outcomes and maintain a functioning employer-based coverage system that protects businesses and individuals.
Several regulatory changes could help stabilize the individual market, too. The administration can start by easing the enrollment process. Last year, three in four people shopping for an individual plan who received personal assistance from people like insurance agents or brokers ultimately enrolled in plans.
In addition, cracking down on the abuse of "special enrollment periods" would enable insurers to better predict claims costs -- and reduce the need for premium hikes.
Most people buy coverage during open enrollment, which begins in November. But if people lose their jobs, move, or experience certain other life events, they can sign up during a special enrollment period. In 2015, people who signed up during special enrollment cost 41 percent more to insure than regular enrollees.
This disparity suggests that some are going without coverage to avoid paying premiums. When they get sick and need medical care, they claim that they've experienced a qualifying life event.
To prevent fraud, regulators could require people to prove that they're eligible for special enrollment. For example, they could check with an employer to confirm that a would-be special enrollee lost his job.
The individual health insurance market is not sustainable. Lawmakers need to take action now to protect the millions of Americans who are faced with rising premiums, fewer choices, and uncertainty due to the instability of the individual market.
Denny Wright is the President of the Indiana State Association of Health Underwriters
This is republished from what originally appeared in the 11-18-2017 edition of the Indiana Business Journal.
ISAHU www.isahu.org December 2017 Page 3
When: Thursday, January 18; Registration start time: 7:30 a.m.; Program start time: 8:00 a.m.; Program end time: 1:00 p.m. Where: Learning Centers C&D @IU North, 11700 N. Meridian Street, Carmel, IN 46032 Description: The five-hour course will begin with paying distinct attention to regulatory concerns, service model options, cost containment strategies and underwriting. Class participants will walk through unique issues that self-funded plans must face due to mergers and acquisitions followed by a concentration of study covering the integration of next generation design elements in plan design, transparency tools, quality based models, cost-sharing & control, tool integration & incentives and payment controls. Many employers are also looking for innovative ways to educate and enroll their employees in their self-funded plans and wish to be prepared for any upcoming national legislation that may affect them. The Advanced Self-Funded Certification Includes:
• Live training program with leading NAHU certified instructor
• Complete student support services
• Four hours of continuing education credits filed in 50 states
The cost of the Advanced Self-Funded Certification course is $259 for NAHU members and $339 for non-members. Click here to register. Book your group rate for Indianapolis Association of Health Underwriters Instructor: Susan Rider, Consultant in Employee Benefit & Human Capital Management at Gregory & Appel Insurance
Indiana AHU Hosts the Classroom Advanced Self-Funded Certification Course
What do experienced, self-funding consultants say about this course? “I just took the Advanced Self-Funding Certification class and was very impressed with your handouts and presentation. It really gave me plenty of things to think about and opportunities to change some things I am currently doing.” - Michael J. Kilker, USI Midwest, Saint Louis, MO “I’ve been doing self-funding for my clients for over 30 years, and I left your class with six pages of notes. The NAHU Advanced Self-Funding Certification class was very helpful for me and my clients!” - Joe Lawler, The Gaudreau Group, Wilbraham, MA Advanced Self-Funding Logo to Set You Apart from the Rest We are proud to announce that NAHU is providing another resource for marketing your professional expertise in a way that will set you apart from the rest. You can now brand your certification on media announcements, email signatures, business cards and company letterhead to highlight your accomplishment. When you have completed the final exam, you will be provided a download version of the logo stamp of authentication.
National Association of Health Underwriters 1212 New York Ave NW, Ste 1100, Washington, DC 20005 Ph. 202.552.5060 Fax 202.747.6820 www.nahu.org
ISAHU www.isahu.org December 2017 Page 4
HUPAC UPDATE
by David Berman, ISAHU HUPAC Chair
This is the last article of 2017. ISAHU’s contributors to HUPAC have each made a significant investment in their business & to our industry. THANK YOU VERY MUCH! YOU & YOUR DOLLARS HAVE & WILL CONTINUE TO MAKE A DIFFERENCE! In 2017, there were 75 HUPAC Contributors:
1) Bloomington—5 2) South Bend/Elkhart—11 3) Indianapolis—17 4) Ft. Wayne—16 5) Northwest—3 6) South Central—12 7) Evansville—11 Congratulations to each Local Chapter & their Leadership Team to motivate your Members to contribute & make a difference! ISAHU could not accomplish this without the Local Leadership! THANK YOU! There are 8 different levels of contributing (see graphic on page 5):
Supporter—45 Contributors Capitol Club Gold—5 365 Club—12 Contributors Capitol Club Silver—0 Contributor—6 Contributors Capitol Club Double Diamond—0 Congressional—6 Contributors Capitol Club Triple Diamond—0 Senatorial—1 Contributor Without the dollars contributed by these 75 Members, ISAHU would not have the Political Clout that we enjoy. We have outstanding relations with: Senator Joe Donnelly Congresswoman Susan Brooks—5th District Senator Todd Young Congressman Luke Messer—6th District Congresswoman Jackie Walorski—2nd District Congressman Larry Bucshon—7th District Congressman Jim Banks—3rd District Congressman Trey Hollingsworth—9th District Congressman Todd Rokita—4th District As you can easily see, ISAHU has very good relationships with both of Indiana’s 2 Senators & 7 of the 9 Congressman & Congresswomen! We need to continue to build on these relationships & strengthen them as we continue to deal with very uncertain times in our industry. ISAHU & HUPAC thank you for your involvement & your contributions. We wish all the very best during these Holiday Seasons! David Berman ISAHU-HUPAC Chair [email protected] 317-590-7887
ISAHU www.isahu.org December 2017 Page 6
ISAHU PAC UPDATE
by Roger Skinner, ISAHU PAC Chair
COUNTDOWN TO NEXT ELECTION…………………………………….
• Only 4 months to Indiana’s next primary!
• Only 10 months to next general election!
Thank you for your generous support of our state political action committee. It is greatly needed and appreciated. If you are not currently please consider giving to our state PAC with a one-time or on-going contribution. You can use your bank or credit card on-line at https://isahu.org/isahu-pac. Click on learn more at the bottom. Or use the form below.
Please don’t forget that companies and agencies can contribute.
PERCENT OF MEMBERSHIP CONTRIBUTING BY CHAPTER IN 2017
1. BLOOMINGTON – 20% 2. SOUTHWEST – 18% 3. SOUTH CENTRAL – 11% 4. NORTHEAST – 4% 5. GREATER NORTHERN – 3% INDY – 3% 6. NORTHWEST – 0% 7. STATEWIDE– 6%
MERRY CHRISTMAS AND BEST WISHES FOR A HEALTHY AND PROSPEROUS 2018!
Roger Skinner ISAHU-PAC Chair [email protected] 317-507-5713
ISAHU www.isahu.org December 2017 Page 8
Capitol Conference Can Earn You Points!
by Carolyn Beck, ISAHU Awards Chair
Did you know that you will earn points if your Legislative Chair attends Capitol Conference? You also earn points if your President Elect attends the Leadership Forum which is held on Sunday afternoon prior to the official start of Capitol Conference. Even though I have focused on Award points here, the benefits of having your Legislative Chair and President Elect attending this event far outweighs points! These individuals will gain knowledge, establish relationships and have a seat at the table with their legislators that will impact their future and careers long after Capitol Conference is over. Go to www.nahu.org and select “Events” to learn more about the upcoming Capitol Conference, Feb 26 -28
th, 2018 at the Hyatt Regency Capitol Hill, Washington DC
Carolyn Beck ISAHU Awards Chair [email protected]
The Indianapolis Chapter of Health Underwriters was awarded ‘Gold’ status at the NAHU Region 3 meeting in Grand Rapids, MI this past August.
ISAHU www.inahu.org August 2016 Page 13
November & December 2017
ISAHU www.isahu.org December 2017 Page 9
December 2017
Joni De Souza Greater Northern AHU
Keystone Insurance & Benefits Group
25 yrs
Zane Skiles Southwest AHU
Anthem Blue Cross Blue Shield
19 yrs
Debra Hill-Masters Northeast AHU
Physicians Health Plan of Northern IN
17 yrs
Delbert Coon Northwest AHU
17 yrs
Stanley Burt Greater Northern AHU
Burt Advisory Group, Inc 16 yrs
Mary Goshert Indianapolis AHU
ICUL Servicecorp 14 yrs
Pamela Martin South Central AHU
Bennett & Bennett Insurance, Inc
14 yrs
Roger Garrett Southwest AHU
Insurance & Business Planning, Inc
14 yrs
Shawn Gibbons Indianapolis AHU
Encore Health Network 13 yrs
Jon Papp Greater Northern AHU
Keystone Insurance & Benefit Group
13 yrs
Marti Swanson Greater Northern AHU
Swanson & Swanson Insurance, Inc
13 yrs
Stephen James Indianapolis AHU
Capstone Benefits 12 yrs
Matthew Hatfield Northeast AHU
M Hatfield Insurance 12 yrs
Richard Holdeman South Central AHU
Dunn & Associates 11 yrs
Brad Wethington Indianapolis AHU
SIHO Insurance Services
8 yrs
James Santo Greater Bloomington AHU
James R Santo 8 yrs
Stephen Moore Southwest AHU
Schultheis Insurance Agency
8 yrs
Tina Morin Greater Northern AHU
TMM Insurance Services, Inc.
8 yrs
William Poe Northwest AHU
Poe & Associates, Inc 7 yrs
Ruste Pontenberg Northeast AHU
The HSA Authority 6 yrs
Karen Richter Indianapolis AHU
Health Resources, Inc 6 yrs
Bill Lantrip Indianapolis AHU
Regions Insurance 5 yrs
William Cummings Indianapolis AHU
Pathfinder Insurance Training
5 yrs
Brenda Nielsen Indianapolis AHU
SIHO Insurance Services
5 yrs
Jennifer Hauck Indianapolis AHU
Gregory & Appel Insurance
3 yrs
Hillery Holt Indianapolis AHU
Unified Group Services 2 yrs
Darrel Fitch Indianapolis AHU
Fitch Hoyt Benefits Group
2 yrs
Paula Beck Southwest AHU
Field & Main Insurance
Candace Jones Greater Northern AHU
Select Health Networks
Susan Klein Indianapolis AHU
Keystone Insurance Group
David Skinner Indianapolis AHU
Mercer
ISAHU www.isahu.org December 2017 Page 10
Winter is almost upon us which means the coming of the Holidays! And which also means the end of 2017 is upon us. That also means a lot of legislative activity is underway at the Federal level. A real push is on for Tax Reform, a Budget Bill, etc. I am hopeful that all of these measures will be passed and signed before the end of the year.
And once again I have to mention ongoing disasters around the country affecting our NAHU family. The wildfires in California are causing immeasurable damage to the various locales. Please keep all those affected in your thoughts and prayers.
Federal Update The House and Senate both continue to be focused on Tax Reform and the Budget at the present time. Passage of both will more than likely affect all NAHU driven healthcare legislation in the foreseeable future. This could include the recently offered up MLR (broker commission) H.R. 4575 Bill by Representatives Billy Long (R-MO) and Kurt Schrader (D-OR). A Senate version will follow shortly.
Another key appointment is also moving forward. HHS Secretary Nominee Alex Azar is expected to face a confirmation hearing in the Senate Finance Committee the week of December 18. If advanced, he will need at least 50 votes to be confirmed by the full Senate.
Continued Thanks goes to NAHU’s staff – eg, Janet Trautwein John Greene, Chris Hartman and Marcy Buckner as they help direct the overall process.
Other items: Be sure to visit www.nahu.org for more detailed information on all NAHU Federal legislative activities.
Legislative Update Dwight “D” Hall
State House Update Our State lobbyist - Bose Public Affairs continues to monitor all ongoing activity at the State House. Updates are provided to each Local Chapter’s Legislative Chair and also posted on the ISAHU.org website on ongoing basis.
Organization Day took place November 21
st and Session will begin January 3
rd.
This is the “Short Session” so it will end no later than March 14
th.
Former Indiana House Democratic Leader Scott Pelath (D-Michigan City) announced he will not seek re-election as the 9th House District representative in 2018. His last day as House Democratic Leader was on Organization Day, Nov. 21. Representative Terry Goodin has now taken that position as of November 27
th.
In addition. Representatives Charlie Brown, Wes Culver and Kathy Richardson will not seek re-election in 2018.
Our continued relationships with folks in the Governor’s office, Lt. Governor’s office and Statehouse that support our industry overall serves us well. These relationships also directly impact the efforts of our ISAHU Lobbying firm – Bose Public Affairs, plus the efforts of our sister organizations - Big I, PIA, NAIFA, Insurance Institute, IMA, IN Chamber and NFIB. And it also affects the ongoing efforts of several ISAHU members who continue to work on maintaining such working relationships with Legislators that may impact support for any legislation of assistance or detriment to the industry.
Section 1332 discussions continue with leaders in both the Indiana House and Senate as well as the Governor’s office. All updates on such discussions will be shared.
IDOI Update Nothing new to report. Information on Section 1332 of the ACA has previously been supplied with additional efforts in the planning stages. Updates will be provided.
General Information NAHU staff are a vital part of ongoing discussions during this 115
th Congress.
Details are provided in the Washington Updates each Friday. Please be sure to read them which will assist you in responding to your client’s concerns.
Please remember to thank the countless NAHU members around IN and the Country as a whole that continuously put in long hours to ensure the best information possible is being shared with Legislators, HHS, CMS, IRS, DOL, DOI’s and of course other NAHU members. As you know, much of this is always done in anonymity and solely for the benefit of the Association, our members and the general public.
And as always – ongoing THANKS to all the Local Legislative Chairs and those that serve on their committees. Your service is vitally important and greatly appreciated.
PACs Simple message - IF you are not participating in both PAC’s - HUPAC – our Federal PAC and ISAHU-PAC – our State PAC, then PLEASE do so! Both PAC’s support activities that really do make a difference in the ongoing legislative battles. Information can be found on the www.HUPAC.org , www.nahu.org and the www.ISAHU.org sites.
I and the rest of the ISAHU Legislative Committee greatly appreciate the opportunity to work with you to continue to promote real market based "health-care reform". Please feel welcome to contact any of us at any time.
Thanks for all you do to improve the healthcare system for your clients!
Dwight "D" Hall ISAHU Legislative Chair [email protected] 317-370-9664
State Senator Greg Taylor & Dwight Hall at Indy Chamber Pancakes & Politics Breakfast December 12, 2017
ISAHU www.isahu.org December 2017 Page 11
South Central Indiana AHU | Andrea Bogard, President
Open Enrollment is almost over! What a wonderful day that will be when we can close our offices and breathe a sigh of relief! Our Holiday Dinner on December 18th was intentionally
scheduled after OE so we can enjoy ourselves! In addition to great food and entertainment, we are collecting unwrapped toys and cake mixes with frosting for the Scott County Clearinghouse. This year’s event will be held at the Scott County Heritage Center & Museum.
Last month we collected canned goods in support of the “Pack a Patrol Car” campaign in Colum-bus to benefit the Love Chapel in Columbus. Pictured around our donations are a few of our South Central members.
January 11th we have a two-hour continuing education course scheduled at our regular monthly meeting.
Happy Holidays!
Andrea Bogard SCIAHU President [email protected] 812-288-6353
Chapter Updates
Greater Bloomington AHU | Doug Skinner, President
Our next meeting is scheduled for Tuesday January 9th at 11:30 am until 1:00 pm. I am still working on finalizing the meeting but we plan to have website training on the new NAHU site and the State site as well. As a nice bonus it is currently being filed as a CE, one hour, so I will keep out membership posted on this.
Our meeting is at Bobby’s Colorado Steakhouse in Bloomington. Feel free to join if you are in the area that day.
Next Year Meeting Dates All of our meetings will be held at Bobby’s Colorado Steakhouse in Bloomington from 11:30 to 1:00 pm unless otherwise noted.
Tuesday January 9th 2018
Tuesday March 13th 2018
Tuesday May 8th 2018
Our CE Day will be Friday April 13th 2018 and will be held at the May Agency. If you have a CE course you would like to come and present we will need 5-6 hours of CE. Please get in touch with me.
We wish everyone a Merry Christmas and Happy and Safe New Year!
Doug Skinner GBAHU President [email protected] 812-337-8245
ISAHU www.isahu.org December 2017 Page 12
Indianapolis AHU | Rob Strickland, President
December: The Indy chapter will not have a regular December member meeting due to 1 January renewals and open enrollment activities. Instead we will be hosting our annual members-only holiday party at Morty’s Comedy Club at 3824 E 82nd St, Indianapolis, IN 46240 (formerly Don Pablo’s Mexican Restaurant) on Friday, December 15th from 7 – 9:30pm. There will be a private happy hour reception followed by admission to the comedy club at 8:00 for an evening of comedy.
January & February: Indy chapter member meetings are still being finalized and chapter members will be notified via email regarding time / date/ agenda.
James Smith IAHU Communications Chair [email protected] 317-735-4075
Chapter Updates cont...
ISAHU www.isahu.org December 2017 Page 14
Save the Date for These Upcoming Events!!
December 18, 2017 South Central Holiday Dinner
Meet & Greet @ 6pm, Dinner @ 6:30pm Scott County Heritage Center
1050 S Main Street Scottsburg, IN $20 per person
RSVP to [email protected] by 12/15/17
January 18, 2018 ISAHU Advanced Self-Funding Class time: 8:00 am to 1:00 pm
Learning Centers C&D at IU North 11700 N Meridian Street
Carmel, IN
February 6, 2018 ISAHU/NAIFA Day On The Hill
February 8, 2018 NAHU State of the Union
12:00 pm
March 20, 2018 ISAHU Medicare Summit
Location to be determined.
April 13, 2018 South Central AHU Golf Outing
Timbergate Golf Course in Edinburgh
May 18, 2018 GBAHU CE Day
@ the May Agency
June 7, 2018 Indianapolis AHU Golf Outing
Maple Creek Golf Course
June 21, 2018 NAHU Compliance Update
12:00 pm
July 30th, 2018 ISAHU Carol Cutter Memorial Golf Outing
Foxcliff Golf Club Martinsville, IN.
July 31st, 2018 ISAHU Annual State Convention
Location to be determined.
November 15, 2018 NAHU Congressional Election Update
12:00 pm
ISAHU www.isahu.org December 2017 Page 17
You Should Join NAHU Because… 1. NAHU will protect your right to serve your clients needs. 2. You will obtain timely, informative news. 3. You can attend continuing education seminars on the hottest insurance topics. 4. You will share information with top producing insurance professionals. 5. You can participate in grassroots efforts that respond to local, State, and federal legislative issues. 6. You will benefit from a variety of member-only discount programs. 7. NAHU’s Code of Ethics demonstrates to your clients your commitment to professionalism 8. You will play an active role in the future of the health insurance industry. 9. You will receive a subscription to HIU, the association’s monthly magazine. 10. With NAHU following trends in Large and Small Group Managed Care Plans, Individual Health Plans, Long Term Care Insurance, Disability Insurance, and Medicare Supplements, you will benefit from membership no matter your specialty.
ISAHU's Mission Statement: ISAHU will improve its members' ability to meet the health, financial and retirement security needs of all Americans through education, advocacy and professional development.
ISAHU's Vision Statement: Every American will have access to private sector solutions for health, financial and retirement security and the services of insurance professionals. NOTE: ISAHU Financial Reports are available for review. Please contact the ISAHU Treasurer for copies of the Annual Budget Report or monthly financial reports. The ISAHU By-Laws, ISAHU Policy and Procedures and ISAHU Strategic Plan are available for review. Please contact the ISAHU Secretary to request copies.
NAHU/ISAHU Dues According to IRS regulations, only a portion of the $495.00 dues paid to NAHU is considered to be deductible as a “normal business expense”. Federal Law prohibits the portion of member dues allocated to lobbying activities to be considered as a “normal business expense”. In Indiana, the amount of NAHU dues are that are considered to be “normal business expense” deductions are:
NAHU $202.50 ISAHU 45.00 Local Chapters 45.00 $292.50
Note: Contributions made to the National Association of Health Underwriters (NAHU) are not deductible as a charitable contribution for federal income tax purposes.
Quick Links • Guidelines for “Corporate List Bill Membership” Program
• Association Membership Information and Application
• Donate to ISAHU -PAC
• Donate to HUPAC
ISAHU Advertising The ISAHU newsletter is distributed via email monthly to all members throughout Indiana and posted to our website at www.inahu.org. For more information on advertising in the monthly newsletter and/or website, please contact ISAHU’s Communications Chair – Jeff Goodwin at [email protected].