

Howard E. Deihl, RHU
- Sep 7
Employee Benefits: Piecing It All Together - Book for Brokers and Business Owners
"Employee Benefits: Piecing It All Together." Ideal for insurance brokers and clients. This book breaks down the complexities of group...
Howard E. Deihl, RHU
- Jun 20
Do I have to offer group health insurance to my employees?
The requirement to offer health insurance to your employees depends on several factors, including the size of your company and the...
Howard E. Deihl, RHU
- Jun 20
How to calculate the number of full-time employees (FTE's) under the Affordable Care Act (ACA)
The term "FTE" stands for Full-Time Equivalent, which is a measure used to determine the number of full-time employees a company or...
Howard E. Deihl, RHU
- Jun 20
What is a QSEHRA?
The term "QSEHRA" stands for "Qualified Small Employer Health Reimbursement Arrangement." It is a type of health reimbursement...
Howard E. Deihl, RHU
- Jun 20
Potential challenges associated with an ICHRA (Individual Coverage Health Reimbursement Arrangement)
While the Individual Coverage Health Reimbursement Arrangement (ICHRA) offers several advantages, it's important to acknowledge some of...


Howard E. Deihl, RHU
- Jun 15
Adverse Selection in Group Health Insurance
Adverse selection, a concept frequently encountered in the realm of insurance, refers to the tendency of individuals with higher health...


Howard E. Deihl, RHU
- Jun 13
Group Health Insurance Explained: A Comprehensive Guide
Health insurance is an essential aspect of our lives, providing financial protection and peace of mind in the face of medical...


Howard E. Deihl, RHU
- Jul 7, 2021
Benefit rich group health insurance plan with no deductible, and low out of pocket costs.
For employer groups of 5 or more employees Nationwide PPP Telephonic enrollment Up to 4 plan options per group GRX underwriting for...


Howard E. Deihl, RHU
- Apr 23, 2021
What does SAAOI mean in insurance?
What does SAAOI stand for in health insurance? The group health insurance industry is filled with acronyms. So what does SAAOI mean in...