Health Insurance: Is required to avoid IRS or DOL penalties.Today’s health insurance is a much different game than we remember from even a few years ago. Gone are the days where you could rely on a marquee named insurance carrier to give you the coverage you’ve come to expect. Insurance carriers today have “skinny” networks that your physicians and hospitals may or may not be in. TheBenefits.Guru will research your preferred physicians and hospitals to find the carriers and plans that they participate in to assure you can stay with the people and places you’re comfortable with. * we always highly suggest that after we’ve completed our evaluation and suggested plans and carriers that you verify with your physicians and hospitals that they participate in these plans