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Health Insurance is complicated.  Very complicated.  With the passing of ObamaCare (aka: the Affordable Care Act) it made it even more confusing.  In this first blog I will break it down as it affects businesses and Business Health Plans.  We can split up the Business Health Insurance requirements into 3 catagories.  Small, Medium and Large […]

Prior to 2014, employers had the ability to reimburse employees for Individual Health Insurance that the employee purchased.  Not so today.  The IRS has released ruling baring much of that from happening in 2014 and moving forward.  The rulings have come about so employers would not dump employees into the CA Health Exchange.  There are

ObamaCare has changed Health Plans quite a bit from what we are used to previously.  One of the major changes is the way they price plans.  It used to be that the age of the employee in the company was how the rating was based.  Well, it still is rated on their age…for them only. 

I get asked all the time why I think having a Group Health Plan is better than just giving the employees money and letting them pick their own plan somewhere else.  My response is….maybe you should!  There are definite benefits to having a Group Health Insurance plan, but some employers think it’s easier to just

Group Health Plans in the Bay Area, specifically in San Jose, Santa Clara and up the peninsula can be expensive.  Very expensive.  The landscape has definitely changed just this year in 2014.  The plans are much more comprehensive, but all of that costs money.  The rating system is changed too, so they used to rate

There are so many things to think about when you’re in Start Up mode.  I’ve been doing this long enough to know a couple of things; get a good startup lawyer and find an HR consultant that you connect with.  Their pricing is not bad and the protection you would get yourself is invaluable.  Brauer

Kaiser Health Insurance for your business can be a real value, depending on what you want to offer.  I have a Kaiser plan for our agency.  I’ve had it for many years, and for the most part, its been a terrific value.  Hey, there is no such thing as cheap Health Insurance anymore.  That went

Group Insurance for your business is expensive, very expensive.  Business Health Insurance and Group Health Insurance is complicated too.  If you choose a broker that does not specialize in Business Health Insurance, you may not be getting the best value for your money.  Agencies that are specialists know the industry much better than brokers that

Health Insurance for businesses has changed dramatically just in the last 6 months.  Prior to 2014, the plans were fairly easy to understand and you had much more of a selection, in terms of affordability.  Now, not so much.  All the ObamaCare plans of 2014 have to have certain embedded “essential benefits” in each plan,

With Health Reform, there have been price increases for all of us, whether you have Small Business Health Insurance or a complete Employee Benefits for your business.  The price increases have come about mostly because of the increased mandates put on insurance companies and compliance issues that all business have to adhere to now.  All

Group Health Insurance has changed dramatically from what we had in 2013 and before.  The plans are all different, including the prices.  Without sounding pessimistic, the Benefits have been reduced, and the prices have increased, overall.  There will always be exceptions, but all the plans now, with Health Reform, have to have certain benefits embedded

Small businesses are not immune to the compliance issues of the ACA, Affordable Care Act.  It’s true, they don’t have the “pay or play” issues that larger employers have, but they still have compliance issues if they provide Group Benefits or Health Insurance for Small Business.  There are too many compliance issues to go into

When you are looking for Health Insurance for a small business, there are many compliance issues you have to be aware of.  With Health Reform, each business, whether it is small or large, has compliance paperwork that they must have on file to be compliant with the Dept of Labor and the 2010 Health Reform

I’ve only been in the Health Insurance industry for about 11 years.  In my former life, I was a Detective Sergeant with a Bay Area Police Department.  What I learned was to try and be the best at whatever I do, whether it was solving a grisly crime or in my second career as a

If you are like most employers, Health Reform is a bit confusing and overwhelming.  There are so many mandates and compliance issues that most companies feel they need expert guidance and someone that is a “specialist”.  Any insurance person can throw plans around and help you sign up, that takes no skill at all.  Unless