Bay Area Employee Benefits

Medicare for all sounds good, but not so good when you break it down on ROI

Medicare for all is the newest buzzword these days.  Putting everyone on a Medicare type system that the government regulates and enforces, is the general premise.  In theory it makes some sense, except when you break down the costs compared to what you actually get.  Its going to be a tough sell, to put it […]

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HR Directors to employers: Here is what employees want with their Employee Benefits

Whether you’re a Millennial or Baby Boomer, employees pretty much want the same thing from their employer; a good salary, good benefits, and a sense of belonging.  Lets dive into the Employee Benefit offering first. Employee Benefits are vital, and sometimes a deal breaker for a potential new hire Obviously the first Employee Benefit would

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Small Business Employers offering Group Benefits at all time high

CA Employers are offering Group Health Insurance and Benefits to their employees at its highest level in 10 years.  Employers are offering Employee Benefits more than ever, even though the prices are rising.  There is major competition for talent and employers want to stay relevant and compete with other similar companies. Smaller companies are competing

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Insurance companies NOT hurting for money….record profits this year

Even though I’m an Independent Insurance Broker, I am not a fan of most of the insurance carriers.  The effects of NOT having health insurance plan, or Group Health Insurance plan, could be disastrous, economically.  Honestly, Health Insurance is a necessary evil.  If you are an employer, and you offer a Group Health Plan, you

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Strategies Small Business employers use to set up Employee Benefits for their employees

Small Business owners are setting up #EmployeeBenefits for their employees at a frantic pace in today’s economy.  Yes, the Group Benefits are expensive….there’s no doubt about that, but #SmallBusiness employers are having a hard time competing with others in their industry.  It really doesn’t matter if its a Plumbing company, or a Tech #StartUp. Technology

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How about employers that want to give employees $$ to go out and buy their own Health Insurance, not so fast!

It used to be that employers would give their employees money to purchase their own Individual-Family plans.  They would find plans on the internet or through an Independent Broker.  Some employers would “reimburse” employees for their health insurance expenses that they found on their own.  Many companies would claim the money paid as a “business

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Larger employers may get relief from the ACA if new measure passes

The “Save American Workers Act, (HR 3798) will be voted on very soon by the House of Representatives.  If passed, it would change the definition of a full time worker to a full 40 hours a week, not 30 hours as it stands now with the ACA, ObamaCare.  Today, an employer with at least 50

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Trump still battling ObamaCare, no change in number of unisured with Trump at POTUS in 2017

According to the Heritage Foundation in Washington DC, the first year of President Donald Trump has not affected the numbers of overall uninsured in America.  Census Bureau data information is that in 2017, the uninsured in America held firm at under 9%.  States that have expanded Medicaid (It’s MediCal in CA), have experienced a decrease

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ACA Employer Mandate and Pay or Play may be going away, possibly retroactively! Employers are cheering

I would not celebrate yet…but H.R. 4616 would basically shut down the ACA’s Employer Mandate, sometimes known as the “Pay or Play” for larger employers.  Members of the House of Representatives will be voting very soon on this bill that could suspend collection of the ACA Employer Mandate penalties and also further delay the ACA

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Small Business Health Insurance little secret……once a year Special Enrollment Period

If you are an employer that is looking to put together a Group Health Insurance plan, there may be some affordable options out there, only available once a year.  The ACA (ObamaCare) has mandated that once a year, during the month of November, all carriers, Kaiser, Anthem, Aetna, UHC, Blue Shield, all have to accept

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Employers that embrace HSA Group Health Plans for their employees can still save big

Back in 2004 when HSA plans made their debut, most employers made the switch, including myself.  It made absolute sense.  The savings in moving from a traditional plan was so great that employers were fully funding the employee’s deductibles, and still saving a ton of money.  It was a no brainer…..then something changed.  Because so

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Business Health Insurance, Palo Alto, San Francisco, Oakland, CA

Business Health Insurance does NOT have to cost you a fortune! We can prove it too. Every business should have a “strategy” when it comes to administering a Business Health Insurance plan to their employees. To not have one is just foolish, honestly. Business Health Insurance is usually the second most costly item for a

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Bay Area Employee Benefits and Health Insurance, San Francisco, Oakland, San Jose, CA

If you are a business owner and looking for Employee Benefits and Health Insurance, my advice is to find a GOOD Independent Health Insurance broker that ONLY does Employee Benefits and Health Insurance. I can talk all day about how great we are, and go on and on, but realistically, if you have a great

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Why is Small Business Health Insurance so expensive, Redwood City, Palo Alto, San Jose, San Francisco, CA

Small Business Health Insurance is expensive because HEALTH CARE is expensive. Big shock right….it’s crazy expensive on many plans. But, it does NOT have to cost your company a fortune, it really doesn’t! Many of our employer clients have been wildly successful with a strategy that we’ve developed over the years, and I guarantee, your

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Bay Area Employee Benefits, San Jose, Sunnyvale, Santa Clara, Palo Alto, CA

To get the most out of your Employee Benefits, progressive companies have been wildly successful with a unique strategy that we help them with. The strategy involves using various products and procedures to not only slow the rising cost of Bay Area Employee Benefits, but in most cases, actually bend the cost curve downward. It

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