Start Up 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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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

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

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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Parental Bonding policies for employers, are they discriminatory?….most are

Think that dads deserve the same amount of time for parental bonding leave as moms? If you answered no, it’s time to review your parental bonding policy. The EEOC recently announced that that practice of giving moms more bonding time is discriminatory. Employers are required to grant fathers equal amounts of paid parental bonding leave.

Parental Bonding policies for employers, are they discriminatory?….most are Read More »

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

Association Health Plans for businesses…..California Democrats say NO Read More »

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

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

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

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

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 »

Health Insurance for Start Ups in the Bay Area, San Jose, San Francisco, CA

Lots of Health Insurance Options for Start ups in the Bay Area If you are thinking of setting up Health Insurance for your Bay Area Start Up, there are many options for you. You can go with a PEO model that is basically your HR Dept. for hire, doing your payroll, Employee Benefits, Business Insurance,

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Start up business Health Insurance, Palo Alto, Menlo Park, Redwood City, CA

Business Insurance for Start Ups do NOT have to cost you a fortune, especially Health Insurance for Start Ups. There are many ways to strategize Business Health Insurance for it not to break the bank. Many agents that do not specialize in Business Health Insurance would have you believe that the price is the price.

Start up business Health Insurance, Palo Alto, Menlo Park, Redwood City, CA Read More »

Group Benefits for Start up companies, San Francisco, San Mateo, Redwood City, Burlingame, CA

It is very important for a Start up company in San Francisco or San Mateo or Redwood City to have some expert advice when it comes to setting up their Group Benefits. Group Benefits are NOT all created equal. Unless you have an Independent Broker that “specializes” in Health Insurance and Group Benefits, you are

Group Benefits for Start up companies, San Francisco, San Mateo, Redwood City, Burlingame, CA Read More »

Start up business insurance, Employee Benefits for Start Ups, San Francisco, San Jose, Bay Area, CA

If you are thinking about, or have begun a Start Up business, there are some things you need to get in order in case issues arise. My advice….align yourself with a company that will help you with the process. If you are still searching, check out www.bedrocksf.com. If you are launching a company, need help

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