Ways to reduce your Employee Benefit costs

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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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

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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 to reduce Employee Benefits costs with a company, Bay Area, San Jose, Mountain View, Sunnyvale, CA

There are actually some relatively simple answers when it comes to reducing Employee Benefit costs for companies.  Its much easier than you may think!  At Brauer Insurance Services we specialize in “strategizing” Employee Benefit packages for small and medium sized companies.  We have developed an out of the box, progressive process to absolutely reduce costs…AND

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Slowing or reversing the cost of Health Insurance for companies, San Jose, San Francisco, Mountain View, CA

There are a couple of techniques for slowing or reversing the constant premium increases with Health Insurance and Employee Benefits for companies. There are tax strategy plans that allow companies to switch to plans with a higher deductible and then obtain products to “insure” the deductible. Other ways would be to use some alternative funding

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Bay Area Employee Benefits, San Jose, Sunnyvale, Santa Clara, Palo Alto, CA

To get the most out of your Employee Benefits, progressive companies have been wildly successful with a unique strategy that we help them with. The strategy involves using various products and procedures to not only slow the rising cost of Bay Area Employee Benefits, but in most cases, actually bend the cost curve downward. It

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Slowing the cost of Health Insurance costs for small businesses, San Jose, San Francisco, Palo Alto, CA

Many business owners have approached me or called me asking how we can “bend the cost curve” or slow the cost of the constant Health Insurance premium increases.  When I tell them the answer lies with a fairly simple strategy that they could have been implementing the whole time, they are skeptical, to say the

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Health Insurance and Employee Benefits for Start Ups, San Francisco, San Jose, Oakland, CA

If you are just spinning up a new company and considering offering Health Insurance or Employee Benefits to the employees, there are a few things you should consider; first off, the Employee Benefits have to pass the “non-discrimination” rules.  This means that it must be offered to any w-2 wage earning employee working at least

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How will ObamaCare affect business, Palo Alto, Redwood City, San Francisco, Oakland, San Jose, CA

ObamaCare is a big change from how the Health Insurance industry has been running over the past 3 decades.  A big change.  Small, medium, and large employers all have specific compliance mandates that have to be implemented, by law.  Failure to do so can result in fines, audits and all kinds of nasty penalties.  Larger

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How to reduce your health insurance and Employee Benefits costs, San Jose, San Francisco, Oakland, CA

It is actually not that hard to reduce your Employee Benefit costs or Health Insurance costs for your business.  There is an actual “strategy” for lowering your costs AND increasing your Employee Benefits for your company.  The strategy can be a tax advantage type plan or even a plan that includes ways to “insure your

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