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There are several reasons that employers bring in Employee Benefits into the company, for the “benefit” of the employees.  Attract and retain employees is the overall answer, but it goes much deeper. Networks are much different in Group Health Plans vs. Personal Plans you purchase online The biggest disruption in the Health Insurance industry has […]

The ACA is very clear about companies with over 50 employees.  You better be offering Group Health Insurance, and it needs to be “affordable” by #ObamaCare standards.  The companies not complying in 2015 are just now feeling the wrath of the #ACA penalties in 2018.  Larger employers are getting hefty penalties for not complying.  I

We get many calls about employers wanting to offer better Employee Benefits to their key employees, supervisors, etc.  The Affordable Care Act, #ACA, states that employers are not permitted to do that anymore.  Group Health carriers will not let companies offer “carve out” benefits for select employees.  That is the black and white of the

HSA compatible Health Insurance plans are a great tool for employers that want to be creative.  There are currently some drawbacks to HSAs that keep many people from enrolling into them, the biggest one being that HSA plans are designed where employees have to pay for all of the services, up to the deductible amount,

#Employers and even most Group Benefit Brokers, are not sure where to turn to bring their business into the 21st century.  The insurance industry, especially the Group Benefits insurance, has been stuck in the 1990’s, in terms of technology.  There have been very few solutions that are user friendly, with the functionality that Group Health

If you are smaller employer and considering offering #EmployeeBenefits, it may be more affordable than you think, and you can really help your #employees in the process.  Whether you want to be competitive in the marketplace to attract and retain employees, or you are just a benevolent employer that wants to do the right thing

The next CA Governor will have to wrestle with California’s $400 BILLION health care industry.  How to fix it, how to deal with it.  #SinglePayer is still being tossed around as an idea to solve the problem.  How do we cover the remaining 3 million CA residents that are not covered now.  How about the

If you are a company with a Group Health Plan in place, the rates are expected to increase significantly in 2019.  Evidently, the increases are expected because of the Trump Administration stopping the Individual Mandate for people being required to purchase health insurance or face a “tax”.  The thinking is that many of the healthy

When people crow about how the Affordable Care Act, #ACA, did such great things by “reforming” healthcare in America, I have to laugh.  This was not #HealthReform, it was Insurance Reform.  Believe me, I am no fan of the insurance companies, at all.  Being an Independent Insurance Broker means we don’t work for any insurance

In low estimates there are hundreds of millions of dollars wasted each year in our healthcare system.  Waste from unnecessary treatments, over prescribing drugs, fraud, and over servicing patients with unneeded tests or procedures.  This blog could be 100 pages to dive into each of these area.  I think the one that bothers me the

I’ll ask you a couple of simple questions to start this off; What kind of health plan do you have, and how much is your “co-insurance”?  Don’t feel bad, most people can’t answer either question, and about 90% of the population doesn’t even know what coinsurance is.  That’s OK….for most of us, it’s not a

Many were glad when the Individual Mandate “tax” was repealed by Trump last December, hailing it as a victory for people that did not want to be forced to purchase Health Insurance.  The #CEO of AHIP, Americas Health Insurance Plans, that represents Group Health Insurance carriers, is warning that pricing will increase substantially next year. 

According to a #SHRM study, more than 3/4 of the HR professionals interviewed claimed that their company will be increasing #EmployeeBenefits for their employees and #NewHires over the coming years.  Even though insurance prices are more than likely going to continue to increase, #HR folks have to keep up with other employers to attract and