--- title: Veritas Risk Management & Insurance Services Blog | Andrew Darlington (3) description: Andrew, the agency owner, has been a licensed insurance agent since 1997. He started Veritas Risk Management in October of 2009 and has experienced agency growth each year since. Andrew graduated from King University and lives in Johnson City with his wife and 6 children. Andrew’s hobbies include playing basketball, cheering for the Vols, church events and taking part in his children’s activities. 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He started Veritas Risk Management in October of 2009 and has experienced agency growth each year since. Andrew graduated from King University and lives in Johnson City with his wife and 6 children. Andrew’s hobbies include playing basketball, cheering for the Vols, church events and taking part in his children’s activities. [![](https://education.veritasrm.com/hs-fs/hubfs/Find%20Your%20Fit%20GHC%20Health%20Insurance%20Options.jpg?width=675&height=675&name=Find%20Your%20Fit%20GHC%20Health%20Insurance%20Options.jpg)](https://education.veritasrm.com/how-to-evaluate-health-insurance-plans) 3 min read #### [How to Evaluate Health Insurance Plans: A Practical Guide for Individuals and Small Businesses](https://education.veritasrm.com/how-to-evaluate-health-insurance-plans) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): February 2, 2026 at 6:00 AM Choosing a health insurance plan is not about finding a “perfect” option. It is about understanding how plans are structured and selecting coverage... [Health Insurance](https://education.veritasrm.com/tag/health-insurance) [![](https://education.veritasrm.com/hs-fs/hubfs/Finding%20The%20Best%20Health%20Insurance%20For%20A%20Small%20Business%20With%20One%20Employee-2.jpg?width=675&height=675&name=Finding%20The%20Best%20Health%20Insurance%20For%20A%20Small%20Business%20With%20One%20Employee-2.jpg)](https://education.veritasrm.com/health-insurance-one-employee-tri-cities) 2 min read #### [Health Insurance Options for a One-Employee Business in the Tri-Cities](https://education.veritasrm.com/health-insurance-one-employee-tri-cities) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): January 26, 2026 at 1:39 PM Running a business with just one employee gives you independence and flexibility, but health insurance is often one of the biggest question marks.... [Health Insurance](https://education.veritasrm.com/tag/health-insurance) [![Personal Umbrella Policy in Tennessee](https://education.veritasrm.com/hs-fs/hubfs/image.jpg?width=784&height=1168&name=image.jpg)](https://education.veritasrm.com/why-should-i-add-uninsured-motorist-coverage-to-my-umbrella-policy-in-tennessee) 6 min read #### [Why should I add Uninsured Motorist Coverage to my Umbrella Policy in Tennessee](https://education.veritasrm.com/why-should-i-add-uninsured-motorist-coverage-to-my-umbrella-policy-in-tennessee) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): December 31, 2025 at 6:17 AM Why Should I Add Uninsured Motorist Coverage to My Umbrella Policy in Tennessee? By Andrew Darlington December 31, 2025 22 min read [Auto Insurance](https://education.veritasrm.com/tag/auto-insurance) [Personal Umbrella Coverage](https://education.veritasrm.com/tag/personal-umbrella-coverage) [![Picture of Dad and Child Playing Chess Strategizing about Work Comp](https://education.veritasrm.com/hs-fs/hubfs/Father%20and%20daughter%20playing%20chess%20in%20the%20living%20room%20at%20home.jpeg?width=1000&height=667&name=Father%20and%20daughter%20playing%20chess%20in%20the%20living%20room%20at%20home.jpeg)](https://education.veritasrm.com/a-strategic-heads-up-the-coming-squeeze-on-workers-comp-audits) 3 min read #### [A Strategic Heads-Up: The Coming Squeeze on Workers' Comp Audits](https://education.veritasrm.com/a-strategic-heads-up-the-coming-squeeze-on-workers-comp-audits) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): October 24, 2025 at 5:32 PM To my fellow business leaders and Human Resources professionals in East Tennessee, in your roles, you value predictability. You build budgets, manage... [Business Insurance](https://education.veritasrm.com/tag/business-insurance) [Workers' Compensation](https://education.veritasrm.com/tag/workers-compensation) [HR Compliance](https://education.veritasrm.com/tag/hr-compliance) [![Estimating Your Income for Health Insurance](https://education.veritasrm.com/hs-fs/hubfs/Health%20and%20Benefits/Marketplace%20Health%20Insurance%20Kingsport.png?width=940&height=788&name=Marketplace%20Health%20Insurance%20Kingsport.png)](https://education.veritasrm.com/avoid-a-huge-tax-bill-estimating-your-income-for-health-insurance) 2 min read #### [Avoid a Huge Tax Bill: Estimating Your Income for Health Insurance](https://education.veritasrm.com/avoid-a-huge-tax-bill-estimating-your-income-for-health-insurance) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): October 7, 2025 at 3:30 PM With the Health Insurance Open Enrollment period just around the corner, many of us in the Johnson City area are getting ready to choose a plan for... [Health Insurance](https://education.veritasrm.com/tag/health-insurance) [![Health Insurance Johnson City](https://education.veritasrm.com/hs-fs/hubfs/Health%20and%20Benefits/Health%20Insurance%20Jonesborough%20TN.png?width=1080&height=1080&name=Health%20Insurance%20Jonesborough%20TN.png)](https://education.veritasrm.com/warning-maximum-income-for-health-insurance-tax-credits-in-2026) 2 min read #### [WARNING! Maximum Income for Health Insurance Tax Credits in 2026](https://education.veritasrm.com/warning-maximum-income-for-health-insurance-tax-credits-in-2026) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): October 4, 2025 at 7:15 AM Urgent Alert for Johnson City Residents: Your Health Insurance Costs May Rise Significantly in 2026 As we head into October, the minds of many here... [Health Insurance](https://education.veritasrm.com/tag/health-insurance) [![Health Insurance Marketplace Johnson City TN 2026](https://education.veritasrm.com/hs-fs/hubfs/Marketplace%20Health%20Insurance%20Greeneville.png?width=940&height=788&name=Marketplace%20Health%20Insurance%20Greeneville.png)](https://education.veritasrm.com/how-much-will-you-really-pay-for-healthcare-in-2026-new-out-of-pocket-maximums) 2 min read #### [How Much Will You \*Really\* Pay for Healthcare in 2026? New Out-of-Pocket Maximums](https://education.veritasrm.com/how-much-will-you-really-pay-for-healthcare-in-2026-new-out-of-pocket-maximums) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): October 2, 2025 at 10:15 AM Hello Johnson City! One of the biggest fears people have about health insurance is the unknown cost. Even with a good plan, will a serious illness or... [Health Insurance](https://education.veritasrm.com/tag/health-insurance) [![Health Savings Account HDHP](https://education.veritasrm.com/hs-fs/hubfs/chub_backup/Untitled%20design%20(10).png?width=1748&height=1240&name=Untitled%20design%20(10).png)](https://education.veritasrm.com/guide-to-hsa-limits-hdhp-changes-for-tennessee-residents) 12 min read #### [A Guide to HSA Limits & HDHP Changes for Tennessee Residents](https://education.veritasrm.com/guide-to-hsa-limits-hdhp-changes-for-tennessee-residents) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): October 1, 2025 at 2:04 PM 2026 HSA Limits Announced: Your Ultimate Guide to Health Savings Accounts (HSA) in Johnson City and Kingsport TN [Health Insurance](https://education.veritasrm.com/tag/health-insurance) [Group Health Insurance](https://education.veritasrm.com/tag/group-health-insurance) [HSA](https://education.veritasrm.com/tag/hsa) [![Health Insurance Johnson City TN](https://education.veritasrm.com/hs-fs/hubfs/Marketplace%20Health%20Insurance%20Bristol.png?width=940&height=788&name=Marketplace%20Health%20Insurance%20Bristol.png)](https://education.veritasrm.com/exciting-health-insurance-changes-coming-in-2026-for-johnson-city-tn) 2 min read #### [Exciting Health Insurance Changes Coming in 2026 for Johnson City, TN](https://education.veritasrm.com/exciting-health-insurance-changes-coming-in-2026-for-johnson-city-tn) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): October 1, 2025 at 6:12 AM As your local health insurance professional in Johnson City, TN, I'm constantly monitoring the ever-changing landscape of healthcare legislation. My... [Health Insurance](https://education.veritasrm.com/tag/health-insurance) [![](https://education.veritasrm.com/hs-fs/hubfs/Group%20Medicare_%20Everything%20you%20need%20to%20know.png?width=675&height=675&name=Group%20Medicare_%20Everything%20you%20need%20to%20know.png)](https://education.veritasrm.com/group-medicare) 5 min read #### [Group Medicare: Everything You Need to Know](https://education.veritasrm.com/group-medicare) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): May 15, 2025 at 10:54 PM Medicare is a federal health insurance program in the United States that primarily provides coverage for Americans aged 65 and older. It also covers... 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