--- title: Veritas Risk Management & Insurance Services Blog (3) description: Trying to learn more about insurance, safety, & risk management? We send out information weekly to help you protect your family and/or your business. (3) --- [Skip to the main content.](https://education.veritasrm.com/page/3#main-content) [![Veritas Insurance](https://education.veritasrm.com/hs-fs/hubfs/Screenshot_2022-07-27_161347-removebg-preview.png?width=679&height=124&name=Screenshot_2022-07-27_161347-removebg-preview.png "Veritas Insurance")](https://veritasrm.com/) [![Veritas Insurance](https://education.veritasrm.com/hs-fs/hubfs/veritasrm-1.png?width=1000&height=145&name=veritasrm-1.png "Veritas Insurance")](https://veritasrm.com/) - Get Insurance - [Business Insurance](https://veritasrm.com/insure-your-business/) - [Types of Coverage](https://veritasrm.com/insure-your-business/business-insurance/) - [Personal Insurance](https://veritasrm.com/personal/) - About Us - [Companies We Represent](https://veritasrm.com/companies-we-represent/) - [Contact Us](https://veritasrm.com/contact-us/) - [Meet Our Team](https://veritasrm.com/meet-our-team/) - [Andrew Darlington](https://veritasrm.com/andrew-darlington/) - [Tammy Collins](https://veritasrm.com/tammy-collins/) - [Regina Davis](https://veritasrm.com/regina-davis/) - [Jennifer Plaisted](https://veritasrm.com/jennifer-plaisted/) - [Tony Dale](https://veritasrm.com/tony-dale/) - [Jonathan Lugo](https://veritasrm.com/jonathan-lugo/) - [Laryn Hurley](https://veritasrm.com/laryn-hurley/) - [Sheri Taylor](https://veritasrm.com/sheri-taylor/) - [Lynn Hodge](https://veritasrm.com/lynn-hodge/) - [Heather Trent](https://veritasrm.com/heather-trent/) - [Andy Warner](https://veritasrm.com/andy-warner/) - [Sarrah Rossi](https://veritasrm.com/sarrah-rossi/) - [Refer Us and Win](https://veritasrm.com/refer-us-and-win/) - [Blog](https://education.veritasrm.com) Search *Search* Toggle Menu Search *Search* Toggle Menu - Get Insurance *Toggle Menu* - [Business Insurance *Toggle Menu*](https://veritasrm.com/insure-your-business/) - [Types of Coverage](https://veritasrm.com/insure-your-business/business-insurance/) - [Personal Insurance](https://veritasrm.com/personal/) - About Us *Toggle Menu* - [Companies We Represent](https://veritasrm.com/companies-we-represent/) - [Contact Us](https://veritasrm.com/contact-us/) - [Meet Our Team *Toggle Menu*](https://veritasrm.com/meet-our-team/) - [Andrew Darlington](https://veritasrm.com/andrew-darlington/) - [Tammy Collins](https://veritasrm.com/tammy-collins/) - [Regina Davis](https://veritasrm.com/regina-davis/) - [Jennifer Plaisted](https://veritasrm.com/jennifer-plaisted/) - [Tony Dale](https://veritasrm.com/tony-dale/) - [Jonathan Lugo](https://veritasrm.com/jonathan-lugo/) - [Laryn Hurley](https://veritasrm.com/laryn-hurley/) - [Sheri Taylor](https://veritasrm.com/sheri-taylor/) - [Lynn Hodge](https://veritasrm.com/lynn-hodge/) - [Heather Trent](https://veritasrm.com/heather-trent/) - [Andy Warner](https://veritasrm.com/andy-warner/) - [Sarrah Rossi](https://veritasrm.com/sarrah-rossi/) - [Refer Us and Win](https://veritasrm.com/refer-us-and-win/) - [Blog](https://education.veritasrm.com) [*Facebook*](https://education.veritasrm.com/page/3#0) [*Instagram*](https://education.veritasrm.com/page/3#0) [*LinkedIn*](https://education.veritasrm.com/page/3#0) [*Twitter*](https://education.veritasrm.com/page/3#0) [*Youtube*](https://education.veritasrm.com/page/3#0) [*Medium*](https://education.veritasrm.com/page/3#0) # Veritas Blog Explore the basics of different insurance types and discover how knowing your coverage details can protect you. Our blog features easy-to-read articles that highlight the importance of proper coverage. Learn more and ensure you’re fully protected—simply and clearly. Additionally, stay up to date on our work in the community! ##### Sign Up Today [![](https://education.veritasrm.com/hs-fs/hubfs/Group%20Health%20Insurance%20Agents%20Near%20Me%20Find%20the%20Best.jpg?width=675&height=675&name=Group%20Health%20Insurance%20Agents%20Near%20Me%20Find%20the%20Best.jpg)](https://education.veritasrm.com/group-health-insurance-agents-near-me) 4 min read #### [Group Health Insurance Agents Near Me: How to Find the Right Advisor for Your Business](https://education.veritasrm.com/group-health-insurance-agents-near-me) ![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 9, 2026 at 6:00 AM Group Health Insurance Agents Near Me: How to Find the Right Advisor for Your Business Offering group health insurance is one of the most meaningful... [Auto Insurance](https://education.veritasrm.com/tag/auto-insurance) [Personal Umbrella Coverage](https://education.veritasrm.com/tag/personal-umbrella-coverage) [![](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) [Prev](https://education.veritasrm.com/page/2) [1](https://education.veritasrm.com/page/1) [2](https://education.veritasrm.com/page/2) [3](https://education.veritasrm.com/page/3) [4](https://education.veritasrm.com/page/4) [5](https://education.veritasrm.com/page/5) [Next](https://education.veritasrm.com/page/4) ##### Site Navigation Site Navigation - [Home](https://veritasrm.com) - [Personal](https://veritasrm.com/personal/) - [Business](https://veritasrm.com/insure-your-business/business-insurance/) - [About us](https://veritasrm.com/meet-our-team/) - [Contact us](https://veritasrm.com/contact-us/) - [Blog](https://veritasrm.com/blog/) - [Service Center](https://veritasrm.com/service-center/) ##### Contact Contact - [4451 North Roan Street Suite #201](https://www.google.com/maps/place/Veritas+Risk+Management+and+Insurance+Services/@36.3843639,-82.4100702,15z/data=!4m14!1m7!3m6!1s0x885a881f771d2425:0xf3c063745e16f772!2sVeritas+Risk+Management+and+Insurance+Services!8m2!3d36.3842735!4d-82.4097824!16s%2Fg%2F1thd7db4!3m5!1s0x885a881f771d2425:0xf3c063745e16f772!8m2!3d36.3842735!4d-82.4097824!16s%2Fg%2F1thd7db4) - [Johnson City, TN 37615](https://www.google.com/maps/place/4451+N+Roan+St+%23201,+Johnson+City,+TN+37615/@36.38462,-82.4098307,17z/data=!3m1!4b1!4m6!3m5!1s0x885a8815fdb65d9d:0xf09c719d3519939!8m2!3d36.38462!4d-82.4098307!16s%2Fg%2F11n_yvqhzc) - [(423) 292-4142](tel:423-292-4142) - [help@VeritasRM.com](mailto:help@VeritasRM.com) - [Monday - Friday 8:30a - 5:00p](https://Veritasrm.com) - [Career Opportunities](https://veritasrm.com/career-opportunities/) [![Screenshot_2022-07-27_161347-removebg-preview](https://education.veritasrm.com/hubfs/Screenshot_2022-07-27_161347-removebg-preview.png)](https://veritasrm.com/) © 2026 All Rights Reserved ©2022 Veritas Risk Management & Insurance Services [*Facebook*](https://www.facebook.com/veritasrm/)[*Twitter*](https://twitter.com/veritas_ins)[*Instagram*](https://www.instagram.com/veritasriskmanagement/?hl=en)[*LinkedIn*](https://www.linkedin.com/company/veritasrm)[*YouTube*](https://www.youtube.com/c/VeritasRiskManagementIncJohnsonCity) *Return to Top*