Welcome to KDM's first Newsletter of 2015. As you can imagine, change continues to be the norm in the health insurance industry as carriers adapt and stay competitive. Along the way, KDM Insurance has helped numerous individual and group clients apply and receive available subsidies, but for some individuals, premiums are beginning to resemble mortgage payments. Therefore we take our work here seriously and want you know we're here for you. We believe education is a powerful weapon and putting it in your hands, has always been a priority! We'll address issues across many products so please use what you can, call our office with any questions and forward this and upcoming Newsletters freely to those you believe it may help.