ObamaCare

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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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

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

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

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

Short Term Plans for CA…probably not going to happen thanks to CA Democrats

Even though Trump is allowing Short Term plans to come back, and even flourish for people that don’t want to pay the super high pricing of a fully insured plan with benefits they neither want or can use, CA lawmakers are putting a stop to it.  The thinking is that Short Term plans are not

Short Term Plans for CA…probably not going to happen thanks to CA Democrats Read More »

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

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

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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Obamacare Health Insurance Morgan Hill, Gilroy, CA

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.

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Health Insurance for your business, ObamaCare, San Jose, Santa Clara, CA

If you’re like most employers, you think that Health Insurance for your business is way too expensive, yes is CAN be. When you actually have a strategy for your Health Insurance the costs are usually much less. Brauer Insurance has a strategy that has been used by companies, large and small, for many years now

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Confused about ObamaCare, Palo Alto, Redwood City, Mountain View, CA

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

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Health Reform and small companies, San Jose, Milpitas, Palo Alto, Menlo Park, Redwood City, CA

Health Reform has already affected small companies in San Jose, Santa Clara, Palo Alto and all over California. If you have under 50 employees, your “compliance” requirements are much less than the over 50 employers. If you’re concerned about Health Reform and you own a small company, your broker should have already supplied you with

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ObamaCare compliance for small business, San Jose, Santa Clara, San Francisco, Oakland, Palo Alto, CA

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

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Small Businesses and ObamaCare, compliance issues San Jose, San Francisco, Oakland, CA

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

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Small group Health Insurance, Employee Benefits for businesses, Mountain View, Redwood City, San Mateo, CA

Small Group Health Insurance and Employee Benefits do NOT have to cost you a fortune…they really don’t.  If your broker does not have a Benefits Strategy that they can show you on paper, there’s a good chance you are wasting money.  Besides giving our clients some pretty fantastic added value services, we have an actual

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