Houtz Insurance LLC

03/10/2026

This morning commences at the Radnor Country Club where Brian Cronin is hosting the inaugural B2B Expo. Please visit and explore the various vendors with doors opening in 20 minutes. Radnor Country Club Brian Cronin

03/09/2026

Nearly 20,000 PA residents dropped their health coverage in just February alone.

Losing coverage doesn’t just mean missing doctor visits. It can lead to skipped prescriptions, delayed care, and unexpected medical debt that hits hard. Health insurance isn’t just a benefit; it’s a lifeline.

👉 If you’re a business owner not offering health coverage, your employees could be at risk. The good news? There are creative, affordable ways to protect your team and your bottom line.

Let’s talk about how to keep your people covered because healthy employees build healthy businesses.

03/05/2026

When it comes to employer-sponsored health insurance, both employers and employees share the cost. But do you know how that really breaks down?

Here’s a quick look:
🔹 Employers typically cover the majority of the premium, often 70–80% of the total cost for employee-only coverage.
🔹 Employees pay the remaining share through payroll deductions, which can vary depending on plan type, family size, and company contribution levels.

For example, if a health plan costs $600/month, an employer covering 75% would pay $450, while the employee contributes $150.

Those numbers might not seem big month-to-month, but they add up. And the right contribution strategy can make a huge difference in affordability and retention.

We help businesses find that balance, offering competitive benefits that keep costs fair for everyone.

03/02/2026

💰 Pennsylvania workers are paying more than ever for employer-sponsored health insurance and it’s hitting both employees and small businesses hard.

A new report from The Commonwealth Fund found that the average Pennsylvanian with single coverage spent more than $4,000 on premiums and deductibles in 2024, nearly 10% of their annual income. For families, costs climbed past $10,000 a year.

When one out of every ten dollars goes to health care, tough choices follow, from skipping doctor visits to delaying prescriptions.

As costs rise, more employers are exploring creative solutions like association-based health strategies, ICHRA options, and customized group plans to stay competitive and keep coverage affordable.

At Houtz Insurance, we help businesses find those smarter paths, balancing affordability, quality, and care. If these rising costs are impacting your team, let’s talk about ways to protect your people and your bottom line. 💬

📄 Read more from WHYY: https://whyy.org/articles/employer-sponsored-health-insurance-costs-pennsylvania/

Some Pennsylvania workers spend about one in every $10 on employer-sponsored health insurance, according to The Commonwealth Fund.

02/26/2026

Houtz Insurance is proud to be a sponsor of the B2B Expo Philly!

This event is all about connection, collaboration, and community, three things we believe every small business needs to thrive.

📅 March 10, 2026
📍 Radnor Country Club
🕐 1–5 PM | Happy Hour 5–7 PM

If you’re a local entrepreneur, small business owner, or startup ready to grow your network and strengthen your strategy, this is the place to be.

We can’t wait to connect with other business leaders, share ideas, and support the vibrant local business community that keeps our region strong. 💪

👉 Learn more or register at b2bexpophilly.com

02/23/2026

🩺 Denied Coverage? Don’t Panic!

If your health insurance company refuses to pay for care or a prescription, it’s called a denial of coverage but that doesn’t mean it’s the final word. Many people who appeal win their case and get their coverage approved (up to 60% of the time)! 🙌

Here’s what to do if it happens to you:

1️⃣ Understand the reason for denial. It could be a billing error, missing pre-authorization, or a service your plan doesn’t list as covered.

2️⃣ Know your plan’s appeals process. Your denial letter should include instructions. Review them carefully and request all decisions in writing.

3️⃣ Work with your healthcare team. Ask your provider for a letter explaining why the service is medically necessary.

4️⃣ Stay organized and meet deadlines. Keep copies of everything and track names, dates, and notes from every conversation.

5️⃣ Be patient and persistent. You might need to go through multiple levels of appeal, but it’s often worth it.

02/19/2026

Every year, once open enrollment wraps up, employees breathe a sigh of relief…until the questions start rolling in. 🤔

“I thought I understood everything… but now I’m not so sure.”
Sound familiar? You’re not alone.

Understanding benefits doesn’t end when enrollment does. Many employees don’t realize how their plan actually works until they need to use it. That confusion often leads to frustration and stress.

We believe enrollment isn’t the finish line; it’s the starting point. We help employers and employees year-round by reviewing coverage, explaining benefits in plain language, catching errors early, and answering questions before they turn into headaches.

If you or your team have questions after enrollment, don’t wait until next year to figure it out. Let’s bring clarity to your coverage.

02/17/2026

Higher deductibles might look good on paper (lower premiums always sound appealing) but for many Americans, they create a real barrier to care. When out-of-pocket costs climb too high, people often delay or skip the care they need altogether.

Affordable coverage isn’t just about the monthly premium. It’s about accessibility and usability. A plan only works when people can actually use it.

The Trump administration proposed on Monday new Obamacare rules for 2027, allowing insurers to offer new kinds of long-term catastrophic policies, plans with low premiums but significantly higher out-of-pocket costs that would be used to cover major medical expenses.

02/13/2026

❤️ Show some love to your employees this Valentine’s Day!

From health to happiness, the right coverage says “you matter” all year long. 💌

02/10/2026

Thank you so much, Matthew! 🌟 It’s been an absolute pleasure working with you and the Positive Wiring team. I’m so glad the benefits package has helped support your growth and success. That’s exactly what we love to see! Grateful for your trust and partnership these past two years (and looking forward to many more!).

02/05/2026

What Is the No Surprises Act?

Ever opened a medical bill and thought, “Wait, what is this for?” That’s exactly what the No Surprises Act was created to prevent.

This federal law protects patients from unexpected medical bills when they don’t have the ability to choose their care provider, such as during emergencies or when an out-of-network doctor treats you at an in-network facility.

Here’s what the Act does:
✅ Prevents “balance billing” for many emergency and non-emergency services
✅ Ensures your insurance pays as if care were in-network
✅ Requires clear, upfront communication about costs and coverage

If you believe you’ve received a surprise bill, you can request a No Surprises Bill Review, a process that helps determine whether the bill is protected under the Act and what you actually owe.

The bottom line: you shouldn’t have to worry about hidden costs when getting care you didn’t choose.

If you ever get a bill that doesn’t look right, reach out. We can help you understand your rights and next steps under the No Surprises Act.

Source: https://www.pa.gov/services/insurance/request-a-review-of-an-unexpected-medical-bill-no-surprises-act

02/03/2026

✨ Our Group Insurance Solutions ✨

Your employees are the heart of your business. Protecting their health, security, and future is key to keeping your team strong and supported. Here’s how we help:

💙 Health Insurance
Comprehensive medical coverage that gives employees and their families access to quality care when they need it most.

🦷👓 Dental & Vision Insurance
Plans that promote overall wellness through routine and specialized care for healthier smiles and sharper vision.

❤️ Life Insurance
Financial protection that helps care for your employees’ loved ones in the face of life’s unexpected moments.

💪 Disability Insurance
Short- and long-term coverage that ensures employees have income protection during illness or injury.

💼 Retirement Plans
Flexible solutions that empower your team to plan confidently for their future.

Strong benefits build stronger businesses. Let’s create a package that supports your team and fits your goals.