Bruce Jugan, President

About Bruce Jugan

Bruce is an expert in group medical insurance and employee benefits for small to mid-sized companies. He's been a licensed agent/broker since 1993. Bruce has written all of the content on He and his team help employers select medical plans; communicate information to employees; stay in compliance with various rules and regulations; and solve benefits-related problems that may arise.
2023 Dec 19

California DMHC Mandate: UHC’s ACEC Association Health Plan Halts Small Business Coverage

By |December 19th, 2023 |Categories: Association Health Plans, Small Business Articles|Tags: , , , |

California DMHC Forces UHC’s ACEC Association Health Plan to stop offering coverage to Small Businesses Background on Association Health Plans Association Health Plans are a political hot potato Further Background on AHPs and PEOs Benefits Cafe is here to help California DMHC Forces UHC’s ACEC Association Health Plan [...]

2023 Oct 13

2023 Medicare Deadline for Employers

By |October 13th, 2023 |Categories: Medicare and Medicaid, Large Group Medical Insurance Articles, Small Business Medical Insurance|Tags: , , , , , |

Employers Must Notify Medicare Eligible Employees and CMS of “Creditable Coverage” by October 15, 2023 If you offer medical insurance to your employees and any of them are eligible to enroll in Medicare (typically age 65+) then you must send notices to the employee and complete an online form [...]

2023 Sep 15

Small Group Health Insurance in California

By |September 15th, 2023 |Categories: Small Group Health Insurance|Tags: , , |

Learn about health insurance for small businesses in California What to Know about California’s Small Business Health Insurance Employee and Employer Contribution Requirements Small Businesses Must Offer Employees at Least 10 Healthcare Benefits Benefits Cafe Can Help You Obtain Affordable Health Insurance We understand the complexities of navigating the ins [...]

2023 Jul 14

Calculating the Potential ACA Employer Tax Penalty

By |July 14th, 2023 |Categories: ACA|

Health care reform known as the Affordable Care Act (ACA) goes into effect Jan. 1, 2014. If you are an employer with 50 or more employees, the ACA requires "shared responsibility" for affordable health insurance coverage and imposes a tax penalty if the requirement is not met. This article explains [...]

2023 Jul 14

California Health Insurance Reform Update

By |July 14th, 2023 |Categories: ACA|

Overview To help make sense of the Affordable Care Act (ACA) and to help people navigate the ever-changing landscape of health insurance, we’ve made a list of the most important items that individuals and small businesses in California should know about the Patient Protection & Affordable Care Act, signed March [...]

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