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Category Archives: Group Health Insurance

More Delays for Health Care Reform

The Obama administration rolled out more delays for health care reform this past week, in addition to pushing back the employer mandate deadline which requires that employers offer insurance to workers. Health care reform is slated to begin offering coverage through state and federal online health marketplaces on October 1, 2013. Consumers with incomes ranging […]

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White House Delays Key Provision of Health Care Reform

In a setback for President Obama, the White House announced yesterday its decision to delay the health care rule requiring businesses to provide insurance to workers. This decision comes at a critical point in the Administration’s overhaul of health care in the nation. The Employer Mandate Also referred to as the ‘employer mandate,’ this specific […]

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End of DOMA Means Health Care Savings

In a landmark win for the gay rights movement, the Supreme Court ruled the Defense of Marriage Act unconstitutional, citing that it violates the Fifth Amendment right to equal liberty. Finally, same-sex couples can expect long-awaited benefits. DOMA formerly denied more than 1,000 federal benefits to same-sex married couples, perhaps most importantly those related to […]

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How the ACA Affects Employer Decisions about Health Care

Enrollment in health insurance exchanges opens this October and consumers aren’t the only ones that need to be ready and up to date on the latest health law. Many implications of the Affordable Care Act will affect employers as well. To ensure that employers continue providing some degree of affordable and adequate health coverage to […]

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The Cost of Employee Health Insurance for a Family of Four

Just how much is the consumer responsible for paying when it comes to employer-based health insurance?  In a 2013 report, employee benefit and healthcare consultant Milliman highlighted key findings related to rising healthcare costs for a typical American family of four. The Milliman Medical Index (MMI) shows that the total cost of health insurance for […]

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How Large Businesses are Cutting Health Care Costs

Working for a big company has its perks. They tend to have higher compensation packages, more funds and resources, and typically generous health benefits. While many employees of large businesses have been enjoying a range of health insurance benefits at low out-of-pocket costs, more and more companies are switching up their offerings. In its annual […]

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Self-Insuring: the New Loophole for Small Business?

Many businesses, typically larger employers, make the choice to ‘self-insure’ in order to cut health care costs. A self-insured group health plan is one in which the employer directly assumes all costs of providing health care benefits to its employees. Instead of paying a fixed-premium amount to a carrier, employers will pay out of pocket […]

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Workplace Wellness a Top Priority in Health Care Reform

While employers scramble to stay up to date on the latest from the Affordable Care Act, recent federally issued health care reform rules will make it easier for workplaces to provide wellness incentives to employees starting in 2014. Proposed Wellness Guidelines In late November of 2012, federal agencies announced rules for employer-based wellness incentives. Beginning […]

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Health Insurance Predictions for 2013

The past year was chock-full of health insurance drama – suspense, speculation, Supreme Court hearings. The Affordable Care Act (ACA) is no longer an uncertainty, however. With this knowledge, we can make the following health insurance predictions for 2013. The rise of defined contribution plans among employers. A defined contribution plan involves employers giving their […]

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New Health Care Reform Requirements Released

The Health and Human Services (HHS) have released three broad requirements that will change the future of health insurance plans for every single consumer. Health Insurance Premiums and Costs Birthdays are going to be a lot less fun as consumers can receive a premium increase ever year. That’s right, a premium increase every year (right […]

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