Small business insurance updates. Latest news and changes regarding California small business insurance and resources for small businesses

15 10, 2020

Free Sexual Harassment Prevention Training for Employees in California

By Bruce Jugan|October 15th, 2020 |Categories: Small Business Articles, Trends|

California law requires employers with five or more staff members to train employees and supervisors to prevent sexual harassment and abusive behavior in the workplace. California Senate Bill 778 set January 1, 2021 as the deadline for compliance with this law. According to SB 778, the penalty for non-compliance [...]

26 07, 2019

Update: UnitedHealth Care Postpones Rollout of New Association Health Plans in California

By Bruce Jugan|July 26th, 2019 |Categories: ACA, Association Health Plans, Covered California, Small Business Articles, Small Group Health Insurance|

Less than two weeks ago, I wrote a blog post that predicted that fireworks would hit California’s small group health insurance market with UHC’s new Association Health Plans. Well, sparks flew. Yesterday, UnitedHealth Care announced that because of “regulatory inquiries over the past couple of weeks” UHC has suspended [...]

12 04, 2019

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

By Bruce Jugan|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 [...]

25 03, 2019

Group Health Insurance Cost Trends and Benchmark Comparisons

By Bruce Jugan|March 25th, 2019 |Categories: Small Business Articles, Benchmarking, Health Care Costs, Large Group Medical Insurance 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 [...]

5 10, 2016

California Small Business Medical Insurance 2016 4th Qtr. Renewals

By Bruce Jugan|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 [...]

25 11, 2014

Group Health Insurance Rates Increase for 2015

By Bruce Jugan|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 Bruce Jugan|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 [...]

8 10, 2014

Vivity: the new hope for health care

By Bruce Jugan|October 8th, 2014 |Categories: ACA, Changes in Medical Care, Large Group Medical Insurance Articles, Small Business Articles|

Right before my eyes I saw the top executives from the top hospitals with the top executive from the top insurance company pledge to offer high quality medical care at lower cost. They described how they have aligned incentives for everyone to provide top patient care. If they can do that cost-effectively, they will share in the savings. If not, they will collectively share in the loss...This is a game-changer for health insurance.

5 10, 2014

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

By Bruce Jugan|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.

15 08, 2014

Should a company reimburse employees’ INDIVIDUAL health insurance cost rather than sponsor a GROUP medical plan?

By Bruce Jugan|August 15th, 2014 |Categories: ACA, Covered California, Health Benefit Exchange, Health Insurance Reform,, Individual Medical Insurance Articles, Large Group Medical Insurance Articles, Small Business Articles|

With the high cost of health insurance many companies are considering alternative financing arrangements to group health plans. The Affordable Care Act (i.e., ACA, Obama Care, Health Care Reform) created exchanges to help individuals purchase their own coverage. Also, the ACA forbids insurance companies from asking questions about preexisting [...]

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