Health Insurance Premium Relief Has Finally Hit New York and New Jersey.

CINCINNATI -- Tom Quigley, President of Total Benefits Planning Agency, Inc., announces that his organization will be teaming up with Joe Graziano of AWA Group, LLC to cut health insurance rates for New York and New Jersey companies by as much as 40% providing the same benefits for the employees.

Quigley's "Total Benefits" strategy takes advantage of a 53-year-old tax law. Internal Revenue Code Section 105 lets employers reimburse their employees for medical costs they incur for themselves, their spouses, and their dependents. This, in turn, lets them buy less expensive, higher-deductible insurance coverage - then reimburse them directly for the difference between the old deductible and the new. The net result, Quigley reports, is often 20-40% savings over traditional benefit programs.

"Unfortunately, traditional health insurance agents and even some carriers are reluctant to embrace the strategy," Quigley continues. "Refinancing health benefits through the 105 plan is a smart move, just like refinancing your house when rates drop. Yes, it cuts out the insurance 'middleman.' And the middleman never likes to be cut out! But with average family health insurance topping $10,500, the current system is doomed. If agents don't realize this, they'll go the same way as the dinosaurs."

More information is available online at www.totalbenefitsplanning.com.