The American Rescue Plan

President Biden signed the American Rescue Plan Act of 2021(ARP) into law on March 11, 2021. ARP makes improvements in access to and affordability of health insurance through the Marketplace by increasing eligibility for financial assistance to pay for Marketplace coverage.
and more good news…..

ARP Overview

  • The new law will lower premiums for most people who currently have a Marketplace health plan and expand access to financial assistance for more consumers.
  • The enhanced tax credit is available beginning on April 1. Financial assistance is retroactive to January 1 via 2021 tax filing reconciliation for individuals and families that received their health insurance through the Marketplace. 
  • Premiums after these new savings will decrease on average by $50 per person per month, or by $85 per policy per month. 

Current Marketplace Enrollees

  • If a current enrollee chooses not to update their Marketplace account, the increased tax credit will be reconciled with the 2021 income tax return filing in 2022.  You need do nothing and you will receive your additional tax credit in a lump sum after filing.
  • Current enrollees may also change their 2021 plan but must do so by August 15, the 2021 Special Enrollment Period end date. IMPORTANT: current enrollees can choose a new plan, but it is not always the best course of action. When you change plans, the amount you paid towards meeting your prior plan’s deductible can be reset to zero and you would need to start paying out of pocket expenses to reach the deductible on the new plan. 
  • To take advantage of new tax credits, existing enrollees must opt to apply the new subsidy. If you prefer to do it yourself, you can log in to your “healthsherpa” account and see if you have a message indicating you qualify for additional subsidy. If you do, simply select the big green button: “Apply the new subsidy”. If you do not have a message indicating you qualify for a new subsidy, run through your application anyway; not everyone who was eligible received a message.
  • If you would like us to apply your new subsidy to your existing policy, simply reply to Include the name of the primary insured and a request to “Apply the new subsidy to my existing policy”. We will update your tax credit and you will be notified via email of the savings. You can also contact our office at 603-563-8820 and we will let you know if you are eligible for additional savings.
  • If you would like to review the option to change coverage, reply to Include the name of the primary insured and a request to “apply new subsidy and review changing plans”. Our office will contact you to schedule a time to review your options.

Enrollees Outside of the Marketplace or Otherwise Not Tax Credit Eligible

  • Prior to the American Rescue Plan, households had to contribute up to 9.83% of their income, based on a benchmark health plan, to pay for health insurance premium to be eligible for tax credits. Households with income greater than 400% of the Federal Poverty Level weren’t eligible for any assistance to reduce the cost of purchasing a health insurance plan. 
  • Under the American Rescue Plan, individuals and families with income greater than 400% of the Federal Poverty Level may be eligible for a temporary increase in premium tax credits for this year, with no one paying more than 8.5% of their household income towards the cost of the benchmark plan or a less expensive plan. 

Contact our office at 603-563-8820 prior to August 15, with your projected Modified Adjusted Gross Income for 2021 and we can help evaluate if you are now eligible for a tax credit to reduce the cost of your health plan and if it makes sense to change to a Marketplace plan.

Digital Employee Management Solutions for Groups size 2-100

One Call Does it all!

Dublin Health and Benefit Group, LLc has expanded it’s team, and is offering more services!

New Digital Employee Management Solutions for Groups size 2-100 have been added to the menu of group employee benefit products.

Are you ready for a new digital employee management solution to help you move your employee files online? Our digital employee platform makes it easy for even non-tech savvy employers and managers. This secure platform will help move your workplace to a whole new level as you begin to implement the following employee management processes online:

  • Digital employee files with 7 year record retention
  • Online new hire on-boarding online complete with digital signing of I-9 and W4 forms
  • Employee time off management system with mobile app
  • Integrative solutions to work with select payroll processing companies, and employee benefits administration.

Paired with our HR Solutions software you can also enjoy:

  • Compliance and risk management resources
  • Workplace safety learning library
  • HR Advisors hotline with unlimited access for advising
  • Handbook builder tool
  • more…!

One call does it all! Dublin Health & Benefit Group LLc is a great resource providing group benefit solutions throughout New Hampshire.

In case you didn’t know it, here is what we offer for groups, individuals and Medicare clients:

  • Health, dental, vision insurance
  • Life, STD/LTD, critical illness, accident insurance,voluntary life
  • HR outsourced solutions- advisors, compliance tools
  • Flexible spending accounts/ Health reimbursement /Health savings account solutions
  • Cobra administration solutions
  • Group, Individual, Medicare Supplements and Advantage plans, Part D – health insurance
  • Short term medical insurance
  • International travel and medical insurance

One call does it all! Dublin Health & Benefit Group LLc 603-563-8820

Employee Benefits x104

Individual and Medicare x101 and x109

Adding Low Cost, High-Value Insurance during Pandemic

Adding Low-cost, High-value Benefits during Pandemic


If you are an employer who has been impacted by staffing and payroll challenges during this COVID-19 Pandemic crisis, you’re not alone. A large majority of NH businesses anticipate a significant decrease in revenue resulting from state shut-down mandates, classification of essential vs. non-essential workplaces, and quarantine related staffing challenges. It’s no wonder groups are now looking at adding low-cost, high-value benefits during pandemic times.

Low-cost, High-value Benefits

Low-cost, High-value Benefits like ancillary benefits ( Life Insurance / Accidental Death & Dismemberment Insurance, Short-term / Long-term disability insurance) provide great financial security to employees concerned over unplanned medical events. An employee who is out is going to juggle not only their medical recovery needs, but also the priority of paying their bills. This raises the question for employers, how will they continue paying their share of health insurance?

When Life Insurance / Accidental Death & Dismemberment Insurance, Short-term / Long-term disability insurance are offered, it is very simple to include a voluntary critical illness or accident insurance policy which is paid for 100% by the employee. Because who isn’t worried about accidents and cancer devastating our very comfortable and familiar lifestyle? And if you offered these benefits now, just think about the relief any employee will have when a medical leave is inevitable.

Quarantine Benefit Rider

Groups with a Quarantine Benefit Rider embedded in their Short-term disability policy, brings an added financial benefit to employees, particularly right now. Should an employee be required to “quarantine” without illness, the Quarantine Benefit Rider act like a short-term disability policy and will continue 60% of their pay. While certain terms will apply, the rider protects the employee from severe financial disruption while helping the employer keep their workplace healthy and productive. I should add that this rider is no longer offered with NEW quotes from Guardian but the carrier will honor the proposals dated shortly prior to the events of COVID-19 for a brief period of time.

Not only are we independent, bringing you access to quotes from ALL carriers, but we specialize in benefits portfolio designing!

We, at Dublin Health & Benefit Group, LLc, offer a comprehensive approach to benefits portfolio designing, tailored specifically to the unique needs of each employer group. Often a new group will begin with just what they came for, a group health plan. But as we learn about the group and start to see cost saving options that will bring added value, we will bring it whether the solution is offered through us, a vendor or partner. Our partners work closely with us and our group clients on customized benefits portfolio designs!

Dublin Health & Benefit Group LLc has offered Group, Individual, and Medicare insurance throughout New Hampshire since 2005. With over 30 years of experience, our friendly Employee Benefit Brokers will treat your employees like family. We truly act like an HR-benefits branch for each of our group clients as designed, making ourselves very approachable by employees at all levels.


Quote your group with Dublin Health & Benefit Group, LLc and receive a FREE trial to our outsourced HR solutions!

  • Rebuild your handbook
  • Tap into workplace compliance resources
  • Complete free professional development and compliance training e-learning course
  • Seek HR advising for your most complex HR/employee management workplace

Extended subscription may also include OSHA 10 hour general industry training courses, workplace safety courses, equipment safety courses …and more!

Companies with 15+ employees may subscribe to our Employee Onboarding tools, offering a secure workplace portal to manage employee onboarding, digital employee files, and a time-off management calendar.

If you’re interested in quotes to add low-cost, high-value benefits for your team,

Call Dublin Health & Benefit Group, LLc today for a group quote!

Individual Insurance * Medicare * Group Insurance

603-563-8820 x104









Open Enrollment 2020 Deadline for Medicare and ACA Federal Plans

Health Insurance Marketplace Open Enrollment

You know it! It’s that riveting time of the year when you get to pick your health insurance plan for 2020. Well, guess what? It’s still happening! And we’re here to help clarify a few final things.

We help individuals with all aspects of enrollment and plan management, and our services are paid for by the carrier in most cases during Open Enrollment!

Every year Dublin Health & Benefit Group enrolls thousands of individuals in Affordable Care Act plans through the marketplace or directly through the carrier, and on Medicare supplemental plans, Medicare Advantage plans, and Part D Prescription plans.

We advise individuals on how to best achieve a tax credit, and how to manage their finances to retain their tax credit throughout the year. We help individuals select their next health plan, verify coverage based on their needs, and help ensure their providers and medications are covered under their elected plan.

Now, if you’re reading this, that means you know the importance of keeping up with this deadline. Anyone who misses the Open Enrollment deadline (November 1-December 15) will not be eligible to enroll in an ACA medical plan for 2020 unless there is a Special Enrollment Period you qualify for…more on that below.

Medicare Open Enrollment

Medicare Open Enrollment is just as stringent. Anyone seeking to make changes to their Medicare Advantage plan or Part D Prescription plan must do so between October 15-December 7. Learn more about Medicare options

Here’s what you need to know about Special Enrollment Period (SEP)

A time outside the yearly Open Enrollment when you can buy health insurance.

You can qualify for SEP if you’ve experienced what’s known as a “life-changing” event.

Examples of life-changing events:

  • turning 26 and aging off your parent’s plan
  • getting married
  • adopting a child
  • losing health coverage
  • having a baby

If you’re unsure that you qualify for a life-changing event but are seeking medical insurance, give Dublin Health & Benefit Group a call to see if you qualify. Most SEP’s have a 30-60 day window of opportunity so make that call soon!

As always, if you have any questions whatsoever, please call our friendly customer service team: 603-563-8820. We know health insurance is complex and confusing, and we’re here to help simplify things for you.

We’ll see you during Open Enrollment!

– The Team at Dublin Health & Benefit Group, LLC

Help, I Need Health Insurance!

Is it too late to enroll for 2019?

While we enrolled most of our clients on during the annual Open Enrollment period (November 1st-December 15), we continue to enroll new clients on a year-round basis on the individual marketplace, The criteria for enrollment outside Open Enrollment, however, does require an individual qualify for a Special Enrollment Period (“SEP”).

A SEP is created through a life change, which may include “losing health coverage, moving, getting married, having a baby, or adopting a child” ( Usually, there is a 60-day window following a life change event to enroll in a plan. If you miss that window, you must wait until the next Open Enrollment Period (November 1-Dec 15 for a January 1st plan the following year).

Other than those life changes listed above, there are additional life changes that could create a SEP:
• Turning 26
• Becoming pregnant
• Change in disability status, tax filing status, immigration status/citizenship
• Incarceration/release from incarceration
• Someone in your household losing coverage or becoming eligible for Medicaid
• Someone in your household getting an offer of job-based insurance

*There are other opportunities for SEPs not listed here.

Should you need insurance anytime the most important advice we can give you, is to call us immediately to go over options because some options available today may not be available tomorrow if you miss the SEP window of opportunity.

The team at Dublin Health & Benefit Group, LLc specializes in Individual, Group, and Medicare Insurance options from all major carriers in the state of New Hampshire.

Please schedule to discuss your circumstances with one of our team members today!

Individuals * Medicare * Groups

Report on 2018-2019 Open Enrollment

Good news! Rates stable or going down in 2019

ACA, Obamacare, or

No matter what you call it continues to be controversial, continues to have divided support and is hotly debated no doubt. This program jumps into the fray with an open enrollment season running from November 1st through December 15th. The tax penalty is still open to interpretation but at this writing appears to go away for 2019.

One problem with the penalty, however, is that it takes the focus off having health coverage at all. Penalty or not you still retain the risk of a large health claim. Dublin Health’s Colleen Gutwein and Michelle O’Sullivan regularly work with people in this market and are quick to point out “remember the real penalty is lost peace of mind and a large risk left uninsured is a recipe for financial disaster”. No matter your path or challenge with navigating healthcare in the region the team at Dublin Health & Benefit may be able to help. “It’s a little bit crazy around here right now but all here are willing to help,” says Managing Director Ken Woods. 603-563-8820 or for more info.

The above is reprinted from the Shopper News front page article on October 3rd, 2018 beginning next Thursday open enrollment begins and as usual there are 20 ways to hang yourself if you navigate the programs yourself but there is much good news to report!

The general climate

Rates are slated to stay about the same or go down depending on whether you are receiving a tax credit or not. Our expectations are projected to be a reduction ranging 11% – 20%. Those receiving tax credits with all other things being equal will likely be stable. Plans are about the same in 2018 as they were in 2019. Tax credits are still available to those who qualify and will roll over in a passive re-enrollment scenario. Once again no one carrier is coming in with “fire sale” pricing and the pecking order is the same as it was in 2018.

Passive re-enrollment, which requires you do nothing, is available from Anthem, Harvard Pilgrim and Ambetter. What this means is that you need to do nothing if you are happy with your current plan and benefits. Everything will simply map to the 2019 plan most closely aligned with your current plan. Just be sure to confirm that any auto draft is continued as 1st payment for 2019 is due by the 10th of January and we recommend paying and checking sooner to avoid lapse. Keep an eye on your statements to confirm the auto pay transaction has taken place by January 10th.

Passive re-enroll is good for most, but specific situations call for a consult with our brokers. Some examples are:

  • You have a complex income and tax situation and need to strategize to achieve a tax credit
  • You have significant changes in care needs
  • You have significant changes in medications particularly involving brand name drugs
  • You are unhappy with your current plan
  • You have significant or drastic changes in projected income for 2019 (up or down)
    • Remember small adjustments can be made at any time throughout the year by calling the office.
  • You need to add or drop dependents
  • You are aging into Medicare in 2019

Contact information for the entire team can be found at

Unlike last year we are in a fairly stable environment with ACA, Obamacare, or… some might even call it boring! Then again in health insurance boring and stable is good.

Happy Holidays to all.