Employee Benefits

Government looking for ways to end the Cadillac Tax on employers, part of the current ACA….more taxes

There is wide support to repeal the current ObamaCare (ACA) Cadillac Tax due to take effect in 2022 for #employers and affecting Group Health Plans and Employee Benefit offerings by companies.  The tax was introduced by Obama as a way to help pay for the uninsured citizens in the US.  The Cadillac Tax would impose […]

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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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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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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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Health Insurance for your company does not have to break the bank, San Jose, Bay Area, CA

Attract and Retain employees with #EmployeeBenefits that have value, but not necessarily super expensive If you are a business owner looking to protect your employees with #EmployeeBenefits and #healthinsurance, there are many ways to do that, without making you go broke.  #SmallBiz can offer #GroupBenefits for much less than they think.  There are many #strategies

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Group Health Insurance strategies for Small Businesses

If you have Group Benefits in place now at your company, or if you are thinking of putting together Group Health Insurance for your employees, there is a lot to think about.  Health Insurance is all over the news.  Group Health Insurance is expensive, confusing, and most business owners don’t know where to start.  That’s

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Group Health Insurance, HR Directors and Managers behavior, 2018

New laws require managers to change their behaviors in three ways in 2018. Overall, these are not onerous requirements. What a welcome change from previous years! 1. Hiring managers cannot inquire about an applicant’s current pay. In the past, managers could find out a recruit’s current pay and then offer just a slight increase. These

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Employee Benefits, Mountain View, Sunnyvale, Palo Alto, CA

If you’re an employer struggling with the rising costs of Employee Benefits in Mountain View, Sunnyvale, Palo Alto, we have a solution for you. We offer a forward thinking, Employee Benefits strategy that many companies have found to save them money without compromising the employee’s benefits. We help companies reduce their Employee Benefit costs with

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