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Offering Health Insurance as an employer can be a daunting task.  If you want to attract and retain employees, Employee Benefits and Business Health Insurance for Small Companies can be the best way to make that happen.  The second thing that potential employees want to know is about the Health Insurance.  The first thing is […]

If you are an employer and you currently reimburse employees for their Health Insurance premiums, and you do it tax free….you have a problem.  The IRS and the Affordable Care Act does not allow that.  Check out IRS notice 2013-54.  It does not allow employers to reimburse employees for Health Insurance and then try and

If you are considering Group Health Insurance or Business Health Insurance for your company, it may be cheaper than you think.  With all of the subsidies and rebates, some companies are getting help offering Group Health Plans or Business Health Insurance to their employees.  Group Health Plans can be expensive if you are not careful. 

Many companies that have renewals later this year are going to be allowed to keep their plans that they have now for the 2015 year.  This is what SB 1446 is all about.  This bill was introduced to help smaller companies, under 50 employees, to transition to an ACA (Affordable Care Act) plan a little

Confused about the Grandmothering bill that the United States Senate just passed?  Most agents are confused too, if they are not Group Health Insurance agents.  Senate Bill 1446 was passed to allow Group Health Insurance for smaller employers to keep their existing plan during 2015.  The reasoning was to allow small employers the ability to

Group Health Insurance can be very expensive for a small business if they try and purchase it on their own or with an agent that is not a specialist.  There are many brokers and agents that OFFER Group Health Insurance to companies, but not many of them are specialists.  It makes a huge difference, especially

If you’ve purchased ObamaCare Health Insurance, whether its Group Health Insurance or Individual Health Insurance, you are probably aware of all of the issues surrounding the “narrow” networks, primarily with Anthem Blue Cross and Blue Shield of CA.  Both of these carriers have created two networks within California that are either full networks or the

If you are entering Medicare and are confused by all of the mailers that you’ve gotten, you’re not alone.  My advice, throw it all away!  Find an agent that you trust that can help you with your Medicare Supplements and Medicare Open Enrollment.  Our services are free to you, as the commission is built into

For companies that are already offering Group Health Insurance or Group Health Plans, there are ways to mitigate some of the costs for employers.  If you are considering now offering Group Health Plans, maybe because of the Employer Mandate part of the Affordable Care Act, there are definitely ways to ease the burden of not

If you are going to be new to Medicare and have been completely bombarded with mailers and even maybe phone calls, I have some advice for you.  Ignore it all.  Its that simple.  There are so many people trying to get your business and mailing you stuff that you don’t know what to believe.  You

If you own a company and are considering offering Group Benefits or Group Health Plans to your employees, you may be entitled to financial assistance because of Health Reform.  I have to warn you, its not easy to qualify.  Some have done it, many have not.  There are a few hoops to jump through, but

There is a lot of talk now about how the ACA (Affordable Care Act) is changing the way we purchase Group Health Plans in CA.  In previous years, there was no restrictions on how high the deductible could go.  Employers had the flexibility to move to a plan that was very inexpensive, with a large

Employee Benefits are not just a benefit for employees.  There are some definite benefits for employers too.  Having a quality Employee Benefit plan helps attract and retain good people.  Think about it….all things being fairly equal, would you want to work for a company that offered good benefits or somewhere that either doesn’t provide them

Many employers are under the misconception that they have to purchase Group Health Plans through the CA Health Exchange.  Nothing could be further from the truth.  The only reason an employer would obtain Business Health Insurance from the SHOP (Small Employer Health Options Program) is to possibly qualify for the elusive tax credits that the

I get this question a lot.  The easy answer is…..maybe.  If you’re an employer and have less than 25 employees that the average salary is a certain amount, then again, the answer is maybe.  I will tell you that the Obama administration was very misleading with the information associated with financial assistance and Small Group