Stahl & Company

03/17/2026

THE $9,800 ADMISSION TRAP: IS YOUR BUSINESS PROTECTED?🚨

In 1966, my father, Jere Stahl, won the NHRA World Championship because he out-engineered the competition by 2/10ths of a second. He knew that at the highest level of performance, precision is the only thing that matters.

I've spent 30 years applying that same "World Class" precision to protecting my clients businesses from financial devistation. While the industry has changed, my mission hasn't: keeping your "rainmakers" protected and your overhead under control.

🚨 RED HOT ALERT: We are seeing a new "Admission Trap" in the 215/610 area. If your team is on Silver ProActive, Silver ProActive Value, or ProActive Basic, 70% of local hospitals (including CHOP, Penn, and Main Line Health) are now Tier 2 or Tier 3.

If an employee goes to the ER and is admitted, it can trigger a $9,800 Out-of-Pocket Max per person—and it’s vital to understand that this liability applies to any hospital admission, whether it’s an emergency or a planned procedure. ⚠️

I’m here to take that risk off your employees' shoulders and keep your business in the winner's circle. 🏆

Our 6-Step High-Performance Audit: 🏁

🔹STEP 1: Identify the Risk
Verify if your current plan leaves your team exposed to the $9,800 surprise.

🔹STEP 2: Download the Census
Copy and paste the link below into your web browser to download our standard census spreadsheet from our secure Dropbox folder.
https://www.dropbox.com/scl/fi/6ac46ygslk4sfasu0nuzq/Employee-census-template.xlsx?rlkey=0ueatg0zun5fbw8nqt4yk4a5y&st=oo9tj6ki&dl=1

🔹STEP 3: Use our encrypted vault link to send the census back. Include any notes on your specific budget concerns.
https://ww2.identillect.com/sendemail?u=YXV0aDB8NjFkNjAyYWEwNjBhNWQwMTQ0OWRjNGE3

🔹STEP 4: The Deep Dive Discovery
Expect a call from me. We’ll spend 10 minutes discussing your specific situation to ensure the "tune-up" fits your business perfectly.

🔹STEP 5: Expert Underwriting
I submit your data to our Chamber Underwriters.
NOTE: UnitedHealthcare has offered us considerable discounts to our unique programs members.

🔹STEP 6: Evaluate Your Options
We review the numbers together. We’ll look at HMO and PPO options to upgrade your coverage without the "tiered" liability.

Stahl & Company 🏁
🏆30 Years of Local Advocacy | 215/610 Specialist 💎

10/09/2024

Oppps, that wasn't supposed to happen! One of the best values for my family and clients the last thirty years as a health insurance broker has been United Healthcare's Accident insurance. Unfortunately, we needed to use our coverage twice in this last year. The $5,000 accident benefit was extremely useful when the car insurance did not agree with what cars are selling for today.

Deductibles are at historical highs. The maximum out of pocket for Health Savings Account plans is indexed on inflation. It is therefore skyrocketing to $8,300 in 2025. Non-HSA insurance Maximum will be $9,200 in 2025.

At $34 per month per family member, the $7,500 benefit is very affordable. A link to quote, review and obtain coverage:

https://shop.uhone.com/en/quote/census?brokerid=AA5002568

The Accident ProGuard coverage can be found in the "Accident, teleheath and more" drop down menu.

How much do you need to earn to net $7,500?

Most people need to earn $1.50 in order to net after income taxes $1.00. Does $34 per month make more sense than paying taxes on $11,250 of your income to net $7,500 needed for an emergency room and/or physical therapy bill?

Used once every eighteen years, and this coverage paid for itself.

Take care!

Shop UnitedHealthcare for all your insurance needs

10/26/2023

Exchanges for health insurance tax credits are opening next week. In some areas of Pennsylvania, the tax credits will cover 100% of the premium cost for the Blue Cross, Geisinger or other carrier of your preference.

I reviewed numbers this morning for a man owning a business in central Pennsylvania making $100,000 per year. The three carriers he could choose between Capital Blue, Geisinger and Highmark were available with the tax credits for he and his wife for $0 monthly premium. By purchasing a supplemental insurance good for all medical services, he will have a $2,000 deductible Health Savings Account (HSA) eligible insurance for $171 per month for whichever carrier he preferred. By putting $10,000 next year into his HSA IRA, he saves more in income taxes than it costs to pay for their $171 per month health insurance supplement.

Does it make sense to set aside $10,000 for retirement, and after tax credits for insurance and tax deduction for HSA IRA contribution, pay $0 in insurance premiums? Should this families health not take a turn for the worst, when age 65 and Medicare eligible, enough will be accumulated in their HSAs to pay their Medicare premiums and AARP/United Healthcare PPO premiums for the rest of their lives.

I am here to help you. My cell phone is the best way to reach me. Please call or text 484.883.0411 to set up a time we can talk. No one has any reason to not have quality health insurance. In previous posts, I have uploaded reference charts regarding tax credits.

09/07/2023

Does a high deductible stop you from using your health insurance?

More than a decade has passed since healthcare reform. Due to large premium increases, many individuals, self-employed and small business owners raised their health insurance deductible to afford insurance premiums. Historically high premiums have caused two problems, an affordability problem and now a high deductible problem. The Maximum out of pocket is approaching $10,000 per family member. Is this a concern?

We are here to help. The tax credits expanded under the American Rescue Plan Act toward the purchase of health insurance can help significantly solve the affordability problem. A medical insurance supplement will solve the deductible problem. The great news is that an individual insurance supplement cost 40% less than what your family members insured under Medicare spend for a Medicare Supplement.

A link to our solutions portal:

https://brokers.insuranceforeveryone.com/?share=true&Portal=03471-00000

Our contact information is at the top left with questions.

12/01/2021

Chamber Program & Delta Dental strategic partnership

Individual dental insurance is expensive and typically has reduced coverage. Stahl & Company is pleased to announce a strategic partnership with Delta Dental for companies with two or more employees. Delta Dental coverage with white filings coverage is now available with major services (crown and bridge) coverage. The program can be established pretax through your companies Section 125 plan as a voluntary program for employees to purchase. Quality benefits make hiring easier.

06/30/2021

The substantial increase in tax credits remain available for lowering the cost of health insurance through tax year 2022. The COVID-19 enrollment period remains in affect for another few months.

A number of clients I have helped recently make between $100,000 and $200,000 annually. Most have received more than $1,000 per month in premium relief.

If you are an independent sales consultant, 1099 employee, self-employed or own a small business, please call me at 866-680-0951 to understand more about the new tax brackets for health insurance premiums.

03/11/2021

Piggybacking on the PPP Program included in the Rescue Plan being signed tomorrow. (FREE Health Insurance)

Much has been reported about various parts of the 1.9 trillion Rescue Plan the President is signing tomorrow. The three most important things to know regarding the world of health insurance in the law are:

1.) Affordability: Someone making $13 per hour or less can expect FREE insurance. Anyone making $15 per hour can expect to work 20 minutes per week to pay the premium they are expected to pay.

2.) Higher income earners will Average a $10,000 or more tax credit for the purchase of health insurance for their families when the policy is established as required under the new law. Every American is expected to pay 8.5% of their Adjusted Gross Income or less.

3.) Unemployment: Anyone receiving one week of unemployment will receive family health insurance with a ZERO premium and a waived deductible until they return to work.

In 1974, the Federal Government passed a law to incent Americans to save toward retirement in a new account called an Individual Retirement Account or IRA. Fast forward to today, how many people enjoy the tax savings of an IRA, Simple IRA, ROTH IRA or SEPP IRA?

An old friend once told me to go with the flow of the stream of life. He was right when he said it is too difficult to fight the current trying to paddle back upstream. If the current administration wants to pay for 91.5% or 100% of your healthcare premiums, let them.

Please call or write me to explore your choices with all Blue Cross Blue Shield carriers in Pennsylvania or Delaware. This is my 25th year of helping make health insurance more affordable. I can be reached at 866-680-0951 or [email protected]

02/04/2021

PENNIE exchange Board of Directors approval.

As posted recently, the PENNIE Health Insurance Exchange will be re-opening for additional enrollment through May 15, 2021. Many people are unaware that the deductibles and premiums are substantially reduced as income changes occur. With COVID-19 affecting many families' finances, converting COBRA coverage to an individual policy may save you a mortgage payment monthly in premium.

As well, children from the ages of 21-26 may have incomes that qualify them for $0 deductible Blue Cross Blue Shield coverage for premiums less than $10 per week. Many families carry older children on their company based insurance for hundreds of dollars more per month. Redirecting $2,000 or more in premium savings to your 401k plan will make retirement more comfortable.

People who have already purchased coverage on the exchange may be missing out on deductible reductions and additional premium savings. Most clients I helped this year had out of date files port over from Healthcare.gov. Please refer to the chart below and call with questions of how to reduce your premiums. We are here for extended hours to help in these difficult times!

01/28/2021

PENNIE.com reopening for individual health insurance enrollment.

President Biden is scheduled to sign an executive order this morning re-opening the Federal and State based exchanges to extend enrollment to individuals who are currently not insured. You will have until May 15th to elect coverage that meets your needs and budgets. The local Blue Cross Blue Shield (BCBS) is the main carrier I represent in the four insurance regions of Pennsylvania.

Please call (866-680-0951) or write to learn how quality, affordable BCBS coverage can be available for as low as $50 per month for a $0 deductible plan. Business hours are extended to 9:00pm until the end of this special enrollment period ends.

01/13/2021

PPP Loans Round TWO application

Many small businesses, sole proprietors and independent contractors are struggling through one of the most difficult times in our countries history. The application for the second round of PPP loans was released this morning. If in any quarter of 2020 you incurred more than a 25% reduction in revenue, you are eligible for a PPP loan and applicable loan forgiveness.

Many 1099 independent employees and self employed are not aware they are eligible for loan forgiveness up to $100,000 of 2019 earned income. The maximum loan and forgiveness at this level is $20,833.

A link to a virtual folder containing PPP round two information:
https://www.dropbox.com/sh/pyiydsqtqrpyrrh/AACDolWw1liYfuj_3_q2lLQga?dl=0

This is my twenty fifth year of helping small businesses manage the cost of their second largest expense, health insurance. Please call or write for a free quote from one of the Chamber of Commerce, Consortium, PENNIE exchange or other resources I have to help you improve your insurance while lowering your cost. [email protected] or 866-680-0951