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Personal Insurance

Your personal risk management strategy can have a major impact on your family’s financial bottom line. Gaps in coverage and inadequate liability protection could cost you financially.

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Business Insurance

Risk Resource® is a four-step process utilized by General Insurance Services, Inc. to identify, develop, implement and monitor the risk management strategies for you and your business.

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Health & Life Insurance

There are essentially two kinds of health insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses.

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Health Care Reform Timeline

On March 23, 2010, President Obama signed into law the health care reform bill, the Patient Protection and Affordable Care Act. This legislation, along with the Health Care and Education Reconciliation Act of 2010, makes sweeping changes to the U.S. health care system. These changes will be implemented over the next several years.  

This page provides a timeline of the implementation of key reform provisions that affect employers and individuals. Please read below for more information and contact General Insurance Services, Inc. with any questions about how you can prepare for any of the health care reform requirements.

 2012 Provisions  2013 Provisions  2014 Provisions  2018 Provisions


Employer Shared Responsibility Provisions (“Pay or Play”)


Small Employer Census Form for Milliman Analysis (Excel) - 1/11/2012

FAQs on the Employer Shared Responsibility Provisions (PDF) - 1/11/2012


Recent Announcements

IRS Issues Guidance on 90 Day Waiting Period (PDF)

IRS Issues Guidance on Employer Penalties (PDF)

Proposed Rule on Essential Health Benefits Actuarial Value and  Accreditation Standards
(PDF) - 11/28/2012

Proposed Rule on Health Insurance Reforms and Rate Review (PDF)

Proposed Rules on Health Insurance Reforms and Wellness Programs (PDF) - 11/26/2012

Proposed Rules on Workplace Wellness Programs (PDF) - 11/27/2012

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General Insurance Services
Michigan City
421 Franklin Street
Michigan City, IN 46360
(219) 879-4581
(800) 961-0953
M - F 8am-5pm
General Insurance Services
Valparaiso
4208 Calumet Ave, #100
Valparaiso, IN 46384
(219) 464-3511
(888) 844-8376
M - F 8am - 5pm
General Insurance Services
La Porte
1200 Michigan Ave.
La Porte, IN 46350
(219) 362-2113
(800) 766-4478
M - F 8am - 5pm
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