Western Reserve Association of Health Underwriters

The Western Reserve Association of Health Underwriters is a chapter of the Ohio Association of Health Underwriters as well as the National Association of Health Underwriters. We are a not for profit association dedicated to educating the public and decision makers about the value health insurance professionals deliver in helping consumers access the health care system and, through education and association involvement, increase members’ ability to better serve consumers. We will do so in a financially prudent and responsible manner.

Our membership represents agents who provide health insurance to companies and individuals in the State of Ohio with the customer’s best interest in mind.

Mission Statement

WRAHU will educate the public and decision makers about the value health insurance professionals deliver in helping consumers access the health care system and, through education and association involvement, increase members’ ability to better serve consumers. We will do so in a financially prudent and responsible manner.

Offer Your Employees a Complete Benefits Package

Nancy Kuzenko is an account executive at Anthem Blue Cross and Blue Shield and board member of the Western Reserve Association of Health Underwriters. Now more than ever, employees expect a full benefit package. Under the Tax Cuts and Jobs Act of 2017, the corporate tax rate was slashed to...

Open Enrollment for Health Insurance Begins Nov. 1

Kandis Suhar is a member of the board of directors of the Western Reserve Association of Health Underwriters and the owner of Suhar Consulting. Suhar specializes in employee benefits. She received her law degree from the University of Akron. An Individual health insurance plan is a major medical policy purchased...

Employers: Get Ready for Medicare Enrollment

John Woods is president of Insurance Navigators Agency in Warren and a past president of the Western Reserve Association of Health Underwriters. In a few weeks everyone in the Mahoning Valley, in fact everyone in the country, will start to be bombarded on TV, radio and through direct mail with...

High-Deductible Plans Can Provide Tax Savings

George Morris is president of Morris Financial Group in Salem and legislative chairman for the Western Reserve Association of Health Underwriters. Let’s start with health reimbursement arrangements. They are employer-funded health care accounts that reimburse employees for eligible out-of-pocket medical expenses on a tax-favored basis. Health Reimbursement Arrangements (HRA) are...

Self-Fund Health Insurance Plans Can Cut Costs

Dee McFarland is president of the Western Reserve Association of Health Underwriters. She is a benefits consultant with AssuredPartners in Boardman. One effective way to combat increasing health care costs is to move to a self-funded insurance plan. This allows employers to take control of their benefits plan. If implemented...

Wellness Programs Fuel Good Health

Wellness Programs Fuel Good Health

By Dee McFarland, president-elect of Western Reserve Association of Health Underwriters and a benefits consultant with AssuredPartners in Boardman. Workplace wellness is a $40 billion industry, according to the Global Wellness Institute. This money is invested in programs designed to encourage more healthful lifestyles, curb preventable chronic diseases and reduce...

Recruiting, Retention and Retraining

By Karen Armstrong, benefits account manager at Gilbert’s Risk Solutions and board member of the Western Reserve Association of Health Underwriters. Every business wants to retain and attract the best labor and talent, create processes and practices to help them innovate, grow, reduce risks and create an environment for associates...

Federal Law Mandates Plan Documents

Federal Law Mandates Employee Benefit Plan Documents

By Julie Ginnis, benefits manager at Gilbert’s Risk Solutions and president of the Western Reserve Association of Health Underwriters. The Employee Retirement Income Security Act of 1974 requires that all benefit plans must have a written plan document. This requirement applies to all plans, regardless of their size or the...

NAHU Represents Industry Professionals

By Michael Embry, president of the National Association of Health Underwriters. It’s my privilege, as president of the National Association of Health Underwriters, to introduce the Western Reserve Association of Health Underwriters to readers of The Business Journal. This is one of NAHU’s finest local chapters. It is a very...