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 […]
Medicare for all sounds good, but not so good when you break it down on ROI Read More »
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
Association Health Plans for businesses…..California Democrats say NO Read More »
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
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
Larger employers may get relief from the ACA if new measure passes Read More »
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
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
Small Business Health Insurance little secret……once a year Special Enrollment Period Read More »
The bottom line to all of the talk about Employee Benefits or Group Health Insurance for smaller companies is this….they really have to make sense for you, as an employer, to have them available to your employees. I’ve been introduced to so many owners of companies that don’t see the value in Employee Benefits being
Are Employee Benefits really important to Small Businesses, or a waste of money Read More »
The Trump Administration just released the final ruling on what a Short Term Plan is going to look like for 2019, and since the Individual Mandate is now gone, these plans may become very popular. Years ago, these plans were used as “bridges” for people that lost coverage, or were in a waiting period of
Short Term Health Individual Plans may be WAY cheaper than a traditional ACA plan Read More »
Obamacare Health Insurance does NOT have to cost you a fortune…it really doesn’t. Brauer Insurance has many strategies to mitigate much of the cost of expensive health plans, or at least make them a bit more affordable. If your broker cannot EXPLAIN the strategy they use to help you save money…that may be an issue.
Obamacare Health Insurance Morgan Hill, Gilroy, CA Read More »
If you’re confused or misinformed about ObamaCare….you better align yourself with a Health Insurance broker that knows what they’re doing, pretty quick! I have spoken to ERISA attorneys that are giving out wrong information about Health Insurance plans and ObamaCare advice (ERISA is basically an Insurance specific lawyer) If you have a broker that doesn’t
Confused about ObamaCare, Palo Alto, Redwood City, Mountain View, CA Read More »
ObamaCare compliance for small businesses can be tricky. Even the smallest employers have requirements they HAVE to comply with or face penalties. As part of our service, we help all of our small businesses to comply with the ObamaCare rules. Some are fairly easy, like having the Summary Plan Designs and Summary of Benefits and
It is actually not that hard to reduce your Employee Benefit costs or Health Insurance costs for your business. There is an actual “strategy” for lowering your costs AND increasing your Employee Benefits for your company. The strategy can be a tax advantage type plan or even a plan that includes ways to “insure your
If you own a business, no matter how large or small, there are certain things each business MUST do to become compliant with ObamaCare. The first thing is to have all of your SBCs (Summary of Benefits and Coverage) in order, for the plans that you offer. These must be available for ANY employee that
Small Businesses and ObamaCare, compliance issues San Jose, San Francisco, Oakland, CA Read More »
If you are an employer and you are nice enough to have Employee Benefits for your people…..there are some compliance issues that you HAVE to adhere to now, not only in 2014. At Brauer Insurance we are experts at Obamacare and keeping our employer groups compliant. Currently, ALL employers have to have certain documentation available
Obamacare compliance, Group Health Plans, San Jose, San Francisco, CA Read More »