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There are products that can help #employers fight the high cost of Employee Benefits and Group Health Insurance. The products have been available for many years, and really became popular when the #HSA health insurance plans started back in 2004. We use these products for our groups that have a variety of Group Health Plans. […]

When your employee count reaches 50 or more #employees, there are some #ACA and #ObamaCare compliance issues you have to deal with.  Even if you have less than 50 full time employees, you still may be subject to the #EmployerMandate.  This affects #employers that have over 50 employees, both full time and part time, called

Bay Area Assembly Member Ash Kalra is proposing that CA set up an independent, nine-member state commission to set health care reimbursements for hospitals, doctors and other providers in the private-insurance market serving employers and individuals.  That’s an interesting thought and will be heavily challenged by physician groups and hospitals.  Both of which have deep pockets.  Kalra

If you’re running your business, you don’t have time to try and figure out what you have to do to stay compliant with the #ACA.  You can’t be an expert at everything.  Its hard enough to run a successful business, attract employees, keep profitable and not go crazy.  There are only so many hours in

For small and medium sized employers there are strategies that can be put into place that will reduce the overall cost of #EmployeeBenefits for your people.  When people talk about managing the costs of #GroupHealthInsurance, they usually mean either downgrading the coverage to a cheaper plan or having the employees themselves pay more each month

If you are a business owner that is looking for affordable Group Benefits and Health Insurance, you have a lot of options.  There are many strategies that HR Directors and company owners can use to keep the same level of Health Insurance benefits for their employees.  Not all health insurance policies are created equal.  Affordable

If you own a company that does not have the required participation to enroll into a Group Health Plan or a Group Benefits Plan for your company, there IS an alternative.  Once a year, all the carriers are mandated to allow any company to enroll into a Group Benefits Plan.  Group Benefits are available to

If you are an employer “reimbursing” employees for their health insurance plans they are purchasing on their own….you’d better be careful.  The IRS has outlawed doing that specifically, and they are not friendly to deal with…if you’re caught.  They stopped allowing that as part of the Affordable Care Act a couple of years ago.  The

I wish there was a way to find Inexpensive Business Health Insurance.  I would be a multi millionaire overnight.  However, there ARE ways to reduce the amount you pay for Business Health Insurance and even products that pay companies back when they don’t have many claims.  I have one company that I insure, that got

Good & Bad News: Recent Rulings on Abusive Work Environments If you’ve ever dealt with litigation over workplace stress, you’ll be glad to know that the court doesn’t always side with the employees. Here are a couple of examples: Some times referred to as the “Goldilocks decision”, the first case involves a plaintiff who requested an

We get calls constantly from business owners that are frustrated with the high cost of Business Health Insurance and Employee Benefits.  Because Business Health Insurance is so complicated and confusing, HR Directors and CFOs rely on their broker to help them.  Most times the brokers are clueless too.  Unless someone specializes in Employee Benefits or