Supreme Court Allows Nationwide Health Care Subsidies

WASHINGTON — The Supreme Court ruled on Thursday that President Obama’s health care law may provide nationwide tax subsidies to help poor and middle-class people buy health insurance.

Chief Justice John G. Roberts Jr. wrote the majority opinion in the 6-to-3 decision. The court’s three most conservative members — Justices Antonin Scalia, Clarence Thomas and Samuel A. Alito Jr. — dissented.

The case concerned a central part of the Affordable Care Act, Mr. Obama’s signature legislative achievement. The law created marketplaces, known as exchanges, to allow people who lack insurance to shop for individual health plans.

Some states set up their own exchanges, but about three dozen allowed the federal government to step in to run them. Across the nation, about 85 percent of customers using the exchanges qualify for subsidies to help pay for coverage, based on their income.

The question in the case, King v. Burwell, No. 14-114, was what to make of a phrase in the law that seems to say the subsidies are available only to people buying insurance on “an exchange established by the state.… read more > “Supreme Court Allows Nationwide Health Care Subsidies”

The High Cost of Insuring a Teen Driver

Parents pay an average of 80 percent more for car insurance after adding a teen driver to their policy.

The highest jump in premiums—96 percent—comes from placing a 16-year-old driver on a policy while the average impact decreases to 60 percent at age 19, according to an report.

Premiums in New Hampshire jump 115 percent the most of any state when adding a teen driver. Teen drivers cause premiums to more than double in four other states: Wyoming (104%), Illinois (104%), Maine (103%) and Rhode Island (102%).

Six states prohibit insurers from using gender in their rate calculations: Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania.

In Hawaii, which is the only state that does not allow age and length of driving experience to factor into car insurance costs,  adding teen drivers only costs 17 percent more, the lowest increase among states by far.

New York has the second-lowest increase (53%), followed by Michigan (57%) and North Carolina (60%).… read more > “The High Cost of Insuring a Teen Driver”

Mogil Insurance is now hiring!

Mogil Insurance is now hiring! Please submit your resume to


Job Position Title: Commercial Lines Account Executive


Job Summary:

The Commercial Lines Account Executive will manage and grow a book of accounts including business owner’s policies and packages. Must be able to rate with major carriers (Travelers, Hartford, etc.) on the carrier’s online rating system.


The Commercial Lines Account Executive services commercial lines accounts including assisting customers in making coverage changes and informing and educating clients about policy coverage’s and insurance needs. The Commercial Lines Account Executive must be familiar with company guidelines and underwriting, knowledgeable in commercial lines coverage’s and also must maintain a good rapport with clients and company underwriters. The Commercial Lines Account Executive assists producers in soliciting new business and developing existing accounts.

Essential Duties:

  • Maintain and manage a book of business and strong contact base.
  • Assumes the responsibility for initiating and developing new clients that meet the ideal client profile.
read more > “Mogil Insurance is now hiring!”

Do I need insurance when renting a vacation home?

As the summer vacation season heats up, insurance agents and brokers may get questions from clients about coverage issues for vacation home rentals.

Here’s a handy overview of what homeowners insurance or renters insurance policy issues should be reviewed and fully understood regarding personal property and other perils as travel plans are finalized.

Renting a vacation home can be a great escape, whether you’re headed to a mountain cabin, a beach bungalow or a city condo. You’ll likely bring various personal possessions along—clothes, luggage, a camera, a computer, sports equipment and even jewelry. For peace of mind, it’s worth determining whether or not your possessions will be covered in the event of loss due to fire, theft or other events.

You may already have coverage

The good news is that your homeowners insurance or renters insurance likely has “off-premises” coverage. This means your personal possessions will still be covered when they are outside your home—for instance, property stolen from your car or from your vacation rental.… read more > “Do I need insurance when renting a vacation home?”

Mogil Organization featured in Worth Magazine

Dear Clients, Associates and Friends,

We are honored to enclose the captioned article written by our CEO, Jeffrey S. Mogil for Worth Magazine. This is the fifth article in a series of 6 articles of interest directed at various areas/exposures of individuals and businesses. As you are aware, Worth Magazine is geared for high net individuals, wealth managers, advisors and corporate clients.  The current article addresses the importance of having Employment Practices Liability Insurance for your business.  The next article will focus on Independent Director’s Liability Insurance.

We hope that you find these articles timely and informative.  As always, please feel free to contact our offices if you’d like additional information or have any questions.

You may read the attached or use this link to download your copy of the article.

Thank You,… read more > “Mogil Organization featured in Worth Magazine”