Life Can Be a Balancing Act - Part 1
Disability Insurance Videos for Businesses and Individuals
Deb's Tip
Sears Insurance

September 2012

Thank you for your interest in Sears Insurance! Each month, I'll share information with you that you can use right away in your business and personal lives.

Doesn't Everyone Want to Travel and Explore?

Is it possible to listen to Proud Mary and not want to give up that “good job in the city” to “hitch a ride on a river boat queen”? Whether it’s by boat on the Mississippi, the Amazon, the Nile, the Ganges, or some smaller, quieter river, or by train, by plane, by foot, by car…the manner in which we travel plays a large role in the way in which we experience the world.

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A Guide to the Supreme Court's Affordable Care Act Decision

On the last day of the 2011-2012 Term, the United States Supreme Court issued its long-anticipated opinion about the Affordable Care Act (ACA). In a case known as National Federation of Independent Business v. Sebelius,1 the Court agreed to consider the constitutionality of two major provisions of the ACA: the individual mandate and the Medicaid expansion. A majority of the Court upheld the individual mandate. And, while the Court found the Medicaid expansion unconstitutionally coercive of states, because states did not have adequate notice to voluntarily consent and the Secretary could potentially withhold all of a state’s existing federal Medicaid funds for non-compliance, a majority of the Court found that this issue was appropriately remedied by circumscribing the Secretary’s enforcement authority, thus leaving the Medicaid expansion intact in the ACA. This policy brief describes the Court’s decision and looks ahead to the implementation of health reform now that the constitutionality of the ACA has been resolved.

Read the Full Brief

Deb's Tip

This upcoming fourth quarter you should, whether as an individual or as a business owner, know the timeline for health are reform. I am working with folks to show them the options they have and the pros and cons of each so that they are making educated decisions in a comfortable timeline.


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Debra Sears
Sears Insurance,
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Debra Sears

Sears Insurance is in the top 1% for Wellmark Iowa Individual Sales again in 2010 as well as a nationally recognized producer for EMC National Life Insurance Company in Des Moines, Iowa.

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