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California Health Insurance » Archives for Bruce Jugan

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 BenefitsCafe.com. 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.
8 07, 2019

Fireworks Will Hit California’s Small Group Health Insurance Market with UHC’s New Association Plans

By |July 8th, 2019 |Categories: ACA, Association Health Plans, Small Group Health Insurance, Trends|

  UnitedHealth Care (UHC) kicked-off Summer 2019 with a bang.  During a webinar to their top brokers on July 1st, they made the game-changing announcement that they will introduce 9 new Association Health Plans (AHP) into the California small group marketplace (1-100 employees.) By screening enrollees for pre-existing medical [...]

12 04, 2019

Why Kaiser Permanente Small Group Benefits and Rates Continue to Lead the Field in California, 2019

By |April 12th, 2019 |Categories: ACA, Health Care Costs, Health Insurance Reform, Large Group Medical Insurance Articles, Small Business Articles, Small Group Health Insurance|

On Wednesday, I was fortunate to be included in a round table discussion with the senior leadership of Kaiser Permanente's small group sales and account management team. To encourage discussion, Kaiser limited participation to a few key brokers. (2019 Kaiser Key Broker Engagement Luncheon, Pasadena, California. Third from [...]

25 03, 2019

Group Health Insurance Cost Trends and Benchmark Comparisons

By |March 25th, 2019 |Categories: Benchmarking, Health Care Costs, Large Group Medical Insurance Articles, Small Business Articles, Small Group Health Insurance, Trends|

Many employers want to know why medical insurance rates continue to rise and whether they're paying too much compared to other businesses. Two recently released reports address these questions:Medical Cost Trend: Behind the numbers 2019, is prepared by Price Waterhouse Coopers (PwC)'s Health Research Institute and it projects medical costs [...]

7 10, 2016

Can an employer contribute different amounts towards employee medical insurance?

By |October 7th, 2016 |Categories: ACA, Large Group Medical Insurance Articles, Small Group Health Insurance|

Some of our employer clients have asked: "Can an employer contribute different amounts towards employee medical insurance for different employees?"  Employers often treat employees differently (for example not all employees earn the same wage).  However, they don't want to violate any discrimination laws.   We are not attorneys and don't give [...]

5 10, 2016

California Small Business Medical Insurance 2016 4th Qtr. Renewals

By |October 5th, 2016 |Categories: Changes in Medical Care, Health Insurance Reform, Small Business Articles, Small Group Health Insurance|

Experts estimate that 50 to 70 percent of the small businesses in California that offer employee medical insurance will renew their plans in December 2016.  Many California small business medical insurance companies have begun to release their renewal rates for December 2016 and for many employers the renewal rates look very [...]

2 09, 2015

Need health insurance outside of the open enrollment period – consider the California Major Risk Plan (MRMIP)

By |September 2nd, 2015 |Categories: ACA, Covered California, Health Benefit Exchange, Individual Medical Insurance Articles|

If you didn't sign up for individual health insurance in California during the open enrollment period, you're not stuck.  A little known state program, Major Risk Medical Insurance Plan (MRMIP), may be your saving grace.  While no insurance company will offer you coverage outside of the open enrollment period unless [...]

19 01, 2015

Do Employers Need to Give Employees IRS Form 1095-C in 2014 for Health Insurance Coverage in 2014?

By |January 19th, 2015 |Categories: ACA, Health Insurance Reform, Large Group Medical Insurance Articles|

The good news is that in July, 2013 the IRS issued Notice 2013-45 which gave large employers “transitional relief” from the “shared responsibility” penalties.... Accordingly, neither the reporting requirements nor the employer shared responsibility provisions apply for 2014.

25 11, 2014

Group Health Insurance Rates Increase for 2015

By |November 25th, 2014 |Categories: ACA, Health Insurance Reform, Large Group Medical Insurance Articles, Small Business Articles|

Last week the Los Angeles Times reported that large employers estimate that the cost of group health insurance will increase about 5% in 2015. I was quoted in the last two paragraphs of the article, talking about the 2015 rate increases for California small businesses. We've seen rates increase from a few percent to twenty percent depending on the characteristics of the employees.While there are winners and losers among California employers; we have been able to change our clients to different insurance companies and different plans so that in most cases they won't have any increase and many of our clients will pay less for group health insurance in 2015 than they did in 2014.