California Employee Health Insurance

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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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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Association Health Plans for businesses…..California Democrats say NO

The Trump Administration released rules that would make it easier for small business and sole proprietors to purchase insurance as a group.  By setting up an Association Health Plan business owners can now band together to purchase insurance as a group.  This will be beneficial because the costs will potentially be lower.  On top of

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Employees enrolling into HSA compatible Health Plans continues to grow, here’s why

Since 2004, the concept of using an #HSA has been growing steadily, and its predicted that it will surpass both HRAs and FSAs.  That’s a lot of acronyms.  To sum it all up, people like HSAs.  They’re not wild about High Deductible Health Plans, or #HDHPs, but that is the only way to have an

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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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Kaiser Insurance for your business can be affordable

If you are searching for affordable #HealthInsurance  or #EmployeeBenefits for your business, #Kaiser may be the way to go.  Kaiser offers 17 different plans and even a #PPO that out of state employees can use.  When we strategize #Business #Insurance plans for companies, Kaiser is usually the least expensive, by far. Kaiser is also very

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Redwood City, CA Employee Benefits for Groups with Health Insurance

If you are an employer offering group health insurance coverage to your employees, we are the broker for you!  We have licenses in four different states, but we specialize in Redwood City, CA.  We have small, husband and wife clients, as well as large companies with one hundred or more employees. We specialize in employee

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Saving Money on Employee Group Benefits in Mountain View, CA

Today we’re talking about saving some serious money in employee group medical benefits. Health insurance has been under close review lately thanks to Obamacare and Healthcare Reform.  This has brought up some serious questions about all the legalities, but as we swim through all of the laws and paperwork, small businesses are still spending too

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Employee Benefits in Mountain View, CA

Are you looking for employee benefits for your small business in Mountain View, CA?  If so, you have come to the perfect spot.  We specialize in employee benefits ranging from medical, dental, vision, and supplemental insurance. One of the things that drives many employers away from employee benefits is the prices.  They can be very

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Health Reform Group Plans, Employee Benefits, Employee Health Insurance, San Jose, CA

The new Health Reform has been affirmed by the courts now.  Brauer Insurance is on the cutting edge when it comes to how it will be implemented.  There are many compliance issues that employers have to abide by….hopefully with the help of their brokers.  One of the first is coming up in September and how

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Group Health Benefits, San Jose, California

I’ll say it again…..Group Health Benefits do NOT have to cost a fortune!!  If you have a broker that know what they are doing and “specializes” in Group Health Insurance, or Group Benefits, there are strategies that allow you to get way more benefit without costing more.  The strategy involves “insuring the deductible”……it means basically

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