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Newsletter-Winter 2013

Dec 16 2013 Feature articles include: ACA/ObamaCare Deadline Extended ACA/Health Exchange - Who Needs a Quotation Roudabout Honks - New Traffic Access A Legacy to Remember Referral Awards Grand Prize -... more

Regence - Can I Keep My Plan?

Dec 12 2013 Can I keep my plan? It depends says the Regence Group which does business in Idaho, Washington, Oregon and Utah. - Fall 2013 promised to be a dynamic time in the rollout of the Affordable... more

ACA / ObamaCare Deadlines Extended

Dec 10 2013 Political passions run high over the looming January 1, 2014 deadline of the "Individual Mandate" and other provisions of The Affordable Care Act (ACA). To add fuel to the fire, the ACA... more

Fewest Atlantic Hurricanes In 31 Years

Nov 27 2013 No major hurricanes formed in the Atlantic basin for the first time since 1994 and the fewest number of hurricanes since 1982, according to National Oceanic and Atmospheric Administration (... more

What Industry Has Highest Worker Injury Rate?

Nov 12 2013 "Pick any other industry, and the injury rate is less," explained Scott Harris, Ph.D., MSPH, who added that healthcare worker injury rates are only less than outdoor wilderness professions... more

Nightmares On The Roundabout

Oct 30 2013 I've been having a recurring dream...a nightmare really. I find myself driving to work, north on Snake River Ave. I pass KOZE Radio and find myself becoming anxious but don't know why. As I... more

Health Exchange Update 10/25/13

Oct 25 2013 The Health Exchange Marketplace opened on October 1st and has experienced serious technical problems ever since. In the meantime, the Individual Mandate of the Affordable Care Act (ACA)... more

Only Agents Can Explain Exchange Plans

Oct 24 2013 The Idaho and Washington State Health Exchanges including their navigators (online and phone assistants) will not explain or recommend any insurance plans offered in the exchanges. They... more

Who Needs Health Exchange Quotations?

Oct 23 2013 The new Health Insurance Exchange Marketplace isn't just for the uninsured! Almost everyone needs to take a serious look at their own state's Health Exchange Marketplace before January 1,... more

What About Prospect Ave?

Sep 27 2013 The traffic plan for the south end of Prospect Avenue was always dependent on the Roundabout construction plan. So the closing of Prospect's access to Southway and Snake River Ave was a... more

3 Roundabout Rules To Know

Sep 26 2013 Have you got it figured out? It turns out that Roundabouts have special driving rules. So, here are three tips you should know to drive safely in a modified multi-lane roundabout now open... more

Roundabout Shaping Up!

Aug 1 2013 The outline of Lewiston's first roundabout is taking shape. Curb and gutter now fully border the intersection at Southway and Snake River Ave. Concrete lanes fill half the future roundabout... more

$3.9B Health Premiums Saved In 2012

Jul 19 2013 The Obama administration claims that consumers saved $3.9 billion on their premiums in 2012 due to implementation of the Affordable Care Act (ACA). The Department of Health and Human... more

American Ins On KLEW-TV

Jul 19 2013 American Insurance is featuring a new "Best of the West" ad on KLEW-TV (CBS cable channel 3 and HD channel 460) during the 6pm News, 11pm News and 6:30am Re-broadcast. Click and watch now... more

Hailstorm Claims Up 84%

Jul 18 2013 Insurance claims resulting from hailstorm damage increased 84 percent in 2012 from their 2010 level according to a National Insurance Crime Bureau (NICB) report. See top 5 states for hail... more

Voted "Best of the West" 2013

Jul 10 2013 AMERICAN INSURANCE, in Lewiston and Moscow, was voted "Best of the West" for 2013 in a KLEW TV online survey of local resident's preferences. The Sullivans and staff are proud to be... more

Newsletter - Summer 2013

Jul 3 2013 Summer Newsletter Featured Articles Include - VALLEY FIREWORKS SHOW - schedule of events THE RAT & THE WIND - WWII Story: B-17 shot down, Sully a POW DOWN UNDER - A trip to the... more

ACA Employer Mandate Delayed Until 2015

Jul 2 2013 The penalties imposed by the Affordable Care Act (ACA) on large employers (50+ employees) has been delayed one year in an announcement by the Treasury Department for the Obama... more

Top 10 Risks For Insurers - Ernst & Young

Jun 28 2013 Insuring risk is risky business! As the insurance industry adjusts to a new environment of low asset returns and stricter regulation, insurers have few illusions about the challenges ahead.... more

Roundabout We Go!

Jun 12 2013 Intersection closure this weekend. The roundabout construction project at Southway / Snake River Ave intersection is having the second and last scheduled closing this weekend. We will... more


May 10 2013 TIME AGAIN TO VOTE - AMERICAN INSURANCE was voted "Best of the West" for Insurance Agency in the Service Providers category last year. If you think we are still the best choice we would... more

Hospital Charges Exposed & Vary Widely

May 10 2013 New data shows significant variation across the country and within communities in what hospitals charge for common inpatient services. Also, HHS made approximately $87 million available to... more

Health Centers Funded For AFA Enrollment

May 10 2013 Republicans renew call to repeal the entire healthcare law while the Obama administration is providing $150 million for health centers to offer Affordable Health Care (AHC) enrollment... more

New Health Care Apps Shorter

May 6 2013 Now a new series of shorter and easier applications have been released by CMS. Stinging from criticism that the new Health Care applications were too long and too complicated, the Obama... more

Health Agents Play Critical Role

May 1 2013 Agents and brokers will play a critical role in helping consumers access health insurance coverage through Affordable Insurance Exchanges or Health Insurance Marketplaces, according to an... more

Quiz Yourself On Health Reform

Apr 23 2013 Test your knowledge on key items from The Patient Protection and Affordable Care Act (PPACA). The health reform law promises to deliver big changes in the U.S. health care system. But, as... more

Health Reform Hits Main Street - Kaiser

Apr 23 2013 Confused about how the new health reform law really works? Get answers in just 9 minutes by watching this animated movie from The Henry J Kaiser Family Foundation. Click Health Reform Hits... more

Distracted Driving - Employer Issues

Apr 23 2013 From small business delivery to large transportation fleets, distracted driving issues are a major liability to employers. Due to high profile crashes, large jury verdicts against employers,... more

20% Of Car Accidents Are Caused By?

Apr 16 2013 Nope - not texting or distracted driving. Day or night, the leading cause of auto accidents is...driving while tired, according to a study conducted by the Virginia Tech Transportation... more

Independent Contractor? Maybe not!

Apr 13 2013 Is your janitor, maintenance worker, or sub-contractor really an independent contractor? Business owners are tempted to classify some workers as "independent contractors" to avoid payroll... more

Heath Care Reform Overview - ADP

Apr 8 2013 A free replay of the webinar "Health Care Reform: Strategies to Help Control Costs, Mitigate Risk, & Decrease Penalties," has been made available by ADP ®, a leading provider of... more

Small Biz Health Exchange Delayed

Apr 3 2013 The Small Business Health Options Program (SHOP) included in the Patient Protection and Affordable Care Act (PPAC) was to begin in every state by January 1, 2014 but is being delayed one... more

Home Claims Satisfaction Study

Apr 3 2013 Following two of the worst years of natural catastrophic events in the history in the United States, overall customer satisfaction with the property claims experience remains high,... more

Feds To Pay 100% New Medicaid Cost

Apr 1 2013 The federal government will pay 100 percent of the cost of certain newly eligible adult Medicaid beneficiaries effective January 1, 2014. The final rule was announced today by Health and... more

32% Rise in Health Claims Projected

Mar 27 2013 Health claim costs per member, per month for non-group individual health insurance plans will increase 32% under the Affordable Care Act (ACA) is a key finding in the Society of Actuaries... more

Insurance Fraud Acceptance Drops

Mar 20 2013 Over the last 10 years the public acceptance of insurance fraud behavior has decreased from 33 percent in 2002 to 24 percent in 2012 according to the Insurance Research Council (IRC). ... more

Auto Insurance Is 5 Year Loser

Mar 20 2013 The US Auto Insurance industry will post a statutory underwriting loss in private passenger auto for the fifth consecutive year in 2012, according to a report by Fitch Ratings. Spurred by... more


Mar 13 2013 Idaho Governor C.L. "Butch" Otter needs citizen support in his battle for a state-based Health Exchange. After winning a hard fought battle in the Idaho House on Wednesday, the legislation... more

2013 Insurance Rate Forecast

Feb 26 2013 Premiums for insurance is expected to continue a modest rise in 2013. By John B Sullivan, CIC President, AMERICAN INSURANCE Like our political climate "more of the same" is expected. Loss... more

5 Key Health Care Provisions Finalized

Feb 26 2013 A final rule that implements five key consumer protections from the Affordable Care Act were issued by the U.S. Department of Health and Human Services (HHS). "Because of the Affordable... more

Final Rules for "Essential" Health Benefits

Feb 22 2013 Final rules for "essential" health benefits were announced by the Department of Health and Human Services (HHS). The rule outlines health insurance issuer standards for a core package of... more

86% Rise In Jewelry Questionable Claims

Feb 13 2013 There was a sharp 26.7% overall rise in "questionable claims" (QC) in 2012 reported to the National Insurance Crime Bureau (NICB). QCs went from 91,797 in 2010 to 116,268 in 2012-a new... more

Governor's 5 Reasons For Idaho Health Exchange

Feb 4 2013 Idaho Governor Butch Otter's top five reasons for creating a state-based health insurance exchange are listed below. He strongly supports an Idaho Health Insurance Exchange and is asking... more

Only 11 States Pass Health Care Regs

Feb 1 2013 Only 11 of the 50 US states have moved to implement new consumer safeguards under President Barack Obama's healthcare law according to this Reuters report posted today by Insurance Journal.... more

Idahoans Action Needed For State Health Exchange

Jan 29 2013 Governor Butch Otter is appealing to all Idahoans for help passing legislation for a state based health insurance exchange. Facing opposition from far-right legislators Otter has taken the... more

Cell Phone Insurance To Be Regulated

Jan 7 2013 Idaho will regulate the insurance sold on all portable electronics in the State beginning July 1, 2013. Consumers will then have redress of complaints through the Idaho Department of... more

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55 Southway Ave
Lewiston, ID 83501

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604 S. Washington St.
Moscow, ID 83843

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