QuinStreet

Losing your ACA subsidy? Read this before you consider a short-term medical plan. As enhanced ACA subsidies face a potential sunset at the end of 2025, many consumers may be tempted by lower-premium short-term medical (STM) plans. But STM coverage isn’t ACA-compliant, and the trade-offs can be steep. Farzin A. Espahani, a well regarded voice in health and Medicare insurance, breaks down: ✅ What STM plans cover—and what they leave out ✅ Key risks and limitations compared to ACA coverage ✅ When STM might make sense (and when it doesn’t) ✅ Better alternatives to explore first ✅ A checklist to avoid costly surprises if STM is your only option 📍 State rules vary widely, and federal enforcement is in flux—this guide helps you navigate the complexity with clarity. 🔗 Read the full article on https://lnkd.in/gJTE9XND #HealthInsurance #ACA #OpenEnrollment #STM #InsuranceMarketing #HealthcarePolicy #InsuranceEducation 

The financial strain on federal workers due to the government shutdown is real. If you or someone you know is worried about credit card payments, it's important to act quickly. CardRatings.com explains why being proactive is the single most important step to secure temporary relief—like payment deferrals or waived fees—and protect your long-term credit health. https://lnkd.in/g3nPaSqN   #GovernmentShutdown #FinancialWellness #CreditManagement

We’re thrilled to share a tour of the refreshed look at our India office! From updated workspaces to a more colorful environment, this refresh was all about creating a space that inspires innovation and connection. Our new reception logo is still in the works, but the transformation is already too exciting not to share! #lifeatquinstreet #officerefresh

Working for a small business often means more flexibility, but when it comes to health insurance, it can also mean fewer options. That’s changing. At @Insure.com, we’re witnessing a significant shift in how small businesses approach employee health benefits. Traditional group plans are giving way to health reimbursement arrangements like #QSEHRA and #ICHRA — innovative models that empower employees to choose their own coverage while helping employers manage costs and complexity. ✅ QSEHRA (Qualified Small Employer Health Reimbursement Arrangement) is ideal for businesses with fewer than 50 employees. It’s simple, capped by the IRS, and lets employees shop for their own ACA-compliant plans — with tax-free reimbursements up to $6,350 for individuals or $12,800 for families in 2025. ✅ ICHRA (Individual Coverage Health Reimbursement Arrangement) is more flexible and scalable. It can be offered by businesses of any size, with no reimbursement caps and customizable employee classes. It’s a strategic choice for companies planning to grow or wanting to offer tailored benefits. 🎯 Why it matters: These models give employees more control over their coverage — and portability if they change jobs. For employers, it’s a way to offer meaningful support without the complexity of managing a traditional group plan. 📊 Whether you're a small business owner or an employee navigating your options, understanding the difference between QSEHRA and ICHRA can help you make smarter health insurance decisions. 👉 Read the full breakdown on Insure.com: https://lnkd.in/gmHQryWH #HealthInsurance #SmallBusiness #QSEHRA #ICHRA #EmployeeBenefits #ACA #QuinStreet #InsuranceInnovation 

 Why do credit card APRs lag after a Fed rate cut? CardRating.com shares insights in a CNBC article, examining the correlation between the Federal funds rate and credit card rates. Learn more about the factors influencing the cost of credit for consumers. https://cnb.cx/4hkWfS6 #PersonalFinance #FedRate #CreditCards

With recent #FedRateCuts, many consumers are waiting for debt relief, but history shows that credit card APRs are heavily insulated. CardRatings.com explains why the Prime Rate works this way and provides the three most effective steps you can take right now to secure a lower rate, regardless of what the Fed does next. https://lnkd.in/gePJ2fKR

We’re proud to support children and families in need. 💙 Today, QuinStreet’s Health & Medicare Insurance division had the honor of sponsoring the UnitedHealthcare Children's Foundation’s (UHCCF), an incredible organization that provides medical grants to help children access health-related services not fully covered by their family’s commercial insurance. UHCCF’s mission is simple but powerful: helping kids, changing lives. Since 2005, they’ve awarded over 40,000 grants totaling $80 million, giving families the support they need to focus on what matters most, their child’s well-being. We’re humbled to stand behind this cause and contribute to a future where every child has access to the care they deserve. A special thank you to the QuinStreeters who represented us with heart and purpose:  👉 Trevor Eichberg 👉 Nghia Duong 👉 Coby Lopez 👉 Bradley Brewster 👉 Farzin A. Espahani And a heartfelt thanks to our partners at UnitedHealthcare who made this possible, especially Adam Vittozzi and Brian Wright for their leadership and collaboration. Let’s continue to build a healthier, more compassionate world together. #QuinStreetCares #UHCCF #HealthInsurance #CorporateResponsibility #HelpingKidsChangingLives #MedicareMarketing #TeamQuinStreet #LifeatQuinStreet

As the health insurance landscape evolves, Individual Coverage Health Reimbursement Arrangements (ICHRA) are gaining traction among employers looking for flexibility and cost control. In this article Farzin A. Espahani espahani breaks down: ✅ How ICHRA works ✅ Why it’s reshaping group health benefits ✅ What brokers should know to stay ahead ICHRA empowers employees to choose their own coverage while giving employers predictable budgets — and it opens up new opportunities for brokers to guide clients through ACA marketplace plans. 🔗 Read the full article: https://lnkd.in/gRrA_d3G Whether you're advising small businesses or large organizations, understanding ICHRA is key to delivering modern, consultative solutions. #ICHRA #HealthInsurance #BrokerInsights #EmployeeBenefits #ACAPlans #GroupHealth 

Today we celebrate a remarkable achievement—25 years with QuinStreet for our Chief People Officer, Ashley Gottlieb-Heller!🎉 From her start as a Vertical Manager to now leading us as CPO, Ashley has been at the heart of QuinStreet since the beginning. Over the years, we’ve watched her achieve remarkable milestones—both personally and professionally. From growing her career and building a family, to mentoring future leaders and even appearing on the NASDAQ billboard as a powerful woman in business, she continues to inspire us all. Her steady leadership has guided QuinStreet through every stage of growth, and the friendships she’s nurtured over 25 years have helped create the community we know and love today. We are so lucky to have her. We love you Ash! #lifeatquinstreet🧡