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25 06, 2021

An Inside Look: Fillable PDFs are the Best California Medical Insurance Companies can give Small Employers

By |June 25th, 2021 |Categories: Health Insurance Reform,, Small Business Articles|

Example Small Business Employee Insurance Enrollment Form By Bruce Jugan, June 24, 2021 API connections would eliminate data input errors and could save hundreds of millions of dollars and reduce the cost of medical insurance for small employers. Imagine you log into Expedia and [...]

7 12, 2020

Walmart Health: a New Approach to Health Care

By |December 7th, 2020 |Categories: Changes in Medical Care, Health Care Costs, Health Insurance Reform,, Large Group Medical Insurance Articles, Small Group Health Insurance|

Walmart has taken a big step towards fixing the “broken” U.S. health Care system by creating Walmart Health.  These are clinics that offer primary medical care, mental health counseling, X-rays, labs, dental services, and vision and hearing services at one location.   As of December 2020 Walmart has 14 health clinics.  [...]

19 11, 2020

Amazon Opens Neighborhood Health Center

By |November 19th, 2020 |Categories: ACA, Changes in Medical Care, Health Care Costs, Health Insurance Reform,, Small Group Health Insurance, Trends|

Employee Medical Clinic As a sign of change in medical care delivery, Amazon has opened its first health care clinic for its employees in Dallas, Texas.  According to the Amazon announcement, “Amazon expects to establish 20 health centers in five cities across the U.S., improving access and care [...]

12 04, 2019

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

By |April 12th, 2019 |Categories: Large Group Medical Insurance Articles, ACA, Health Care Costs, Health Insurance Reform,, 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 [...]

5 10, 2016

California Small Business Medical Insurance 2016 4th Qtr. Renewals

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

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 [...]

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.

7 11, 2014

For the Third Time DOL & IRS say an Employer Can NOT reimburse employees for individual health insurance plans

By |November 7th, 2014 |Categories: (SHOP) Covered California Small Business Articles, ACA, Health Insurance Reform,, Individual health insurance vs group health insurance, Individual Medical Insurance Articles, Large Group Medical Insurance Articles, Small Business Articles|

Today the U.S. Department of Labor released yet another notice/guidance/ "FAQ" instructing employers that "an employer health care arrangement cannot be integrated with individual market policies to satisfy the market reforms."  Obstinate vendors continue to push their high cost TPA services and claim that an employer can cancel a [...]

5 10, 2014

Group Health Insurance vs Individual Coverage: Compare After-Tax Cost, Provider Networks & Plan Benefits

By |October 5th, 2014 |Categories: ACA, Covered California, Health Insurance Reform,, Individual health insurance vs group health insurance, Individual Medical Insurance Articles, Large Group Medical Insurance Articles, Small Business Articles|

Perhaps a company could give employees a salary bonus or "taxable discretionary wellness stipend" so that employees can buy their own individual medical coverage. If you’re considering a salary bonus or "wellness stipend" for employees to purchase their own individual medical insurance you should consider the following... Tax and worker’s comp savings are THE major reasons that companies sponsor group health insurance plans rather than offering a taxable stipend or salary bonus...A salary bonus or taxable wellness stipend for health insurance is extremely tax inefficient and forces employees to purchase inferior health insurance plans in the individual market.

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