Because of your membership with the National Association of Health Underwriters (NAHU),  I along with Northern Michigan Association of Health Underwriters’ (NMAHU) HUPAC Chair were able to attend NAHU’s 2016 Capitol Conference in Washington, D.C.

The conference ran from February 22nd through the 24th and hit on many important topics that we and our clients’ face in the ever-changing Health Insurance industry. In addition and most importantly,  the hundreds of agents that attended took over Capitol Hill to voice our opinions on various pieces of legislation that are either pending or needing creation, with our Michigan Representatives in Congress. 

Here are the issues that we discussed and our stance:

  • Medical Loss Ratio (MLR): We advocated the need to remove agent/broker compensation from the MLR in the individual and small group market. This stance would prevent agent commissions from being limited in nature by the MLR.
  • Cadillac/Excise Tax: While we voiced our pleasure with the recent delay of the Cadillac/Excise Tax, we advocated for the full repeal of this erroneous tax through various pieces of introduced legislation in both chambers.
  • 30/40 Hours: We discussed the need to repeal the 30-hour threshold for full-time employees for purposes of the employer mandate in the Affordable Care Act (ACA) and replace it with 40 hours.
  • Health Insurance Tax (HIT): We advocated the full-repeal of the annual fee on health insurance providers, which was enacted by the ACA and ultimately drives up the cost of health insurance.
  • Medicare Open Enrollment Period (OEP): We advocated H.R. 588/H.R. 2581 to preserve Medicare beneficiary choice by restoring and expanding the Medicare OEP and disenrollment opportunities repealed by ACA.
  • Employer Reporting Requirements: We voiced our support of H.R. 2712 and S. 1996 to streamline the employer reporting process and strengthen the eligibility verification process for the health care premium tax credit and cost-sharing subsidy.
  • Small Business Tax Credit (SBTC): And lastly we advocated the need to expand and modify the SBTC to purchase marketplace health insurance coverage.

Again, thank you for your contributions to NAHU as the advocating we were able to do on your behalf with our legislators would not be possible without your support.

Brandon Darin
Legislative Chair

Capitol Conference


L to R: Senator Dan Benishek, Sam Campillo, Jay Schripsema, Keith Wright, Brandon Darin