Our clients often ask us to explain the difference between the replacement cost and the market value of a home.

The answer is often much different than people think.

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Breaking News! Changes is Law allow small employers to reimburse employees for Individual Insurance Plans using a HRA.

  In the past, only traditional Group Insurance Plans qualified for pre-tax savings.   However, changes in the health insurance law are now allowing employers to provide a tax savings plan for their employees that have individual health insurance coverage.  As an employer with less than 50 full time employees, group healthcare may not be an […]

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Medicare Premiums Increase for Many Retirees in 2018


Most of the Social Security cost-of-living adjustment will be used to pay for higher Medicare Part B premiums.  The standard Medicare Part B monthly premium will be $134 in 2018, the same amount as in 2017. But many retirees who have been paying less than the standard rate for the past several years will see a jump in their premiums. Here’s a look at how much you can expect to pay for Medicare Part B premiums in 2018.

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Group Health Insurance Plans

Shopping for group health insurance?  ABM Insurance & Benefits offers many different plans for your company.  Contact us today for your free quote. 281-448-3040.

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Open Enrollment for Individual Health Insurance Plans

It is that time of year.   Open Enrollment for individual insurance coverage through and outside the exchange must be completed by December 15th to secure coverage for 2018.   Much has changed in the Individual Health Insurance market place:

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FEMA Assistance for those without Flood Insurance

It was noted that 80% of those in flooded areas do not have Flood insurance.   If you do not have flood insurance and experienced damage, we want to provide you with information for assistance.    FEMA has assets here in our area to help –   

To access FEMA assistance, complete an application at :

www.disasterassistance.gov    or call 1-800-621-FEMA (3362).


If you have flood insurance coverage and need assistance filing a claim, you can visit FEMA’s site @


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