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It’s all about taxes. According to the Affordable Care Act of 2010, requiring the purchase of a product is illegal, but mandating a tax for not purchasing that product is legal. At this point, as a business owner, insurance broker, or HR professional, you have weathered the first season of regulations that have come, but…
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What is the purpose of the Cadillac tax? First, the tax acts as a source of revenue to fund the costs of the ACA; second, to encourage the reduction of costs in providing health care; and third, to eliminate the tax benefits for employers who compensate their staff through benefits, rather than directly with taxable…
Read MoreWhy do you continue paying outlandish premiums for your insurance plan? Why do your premiums go up every year? What if there was a way to keep employee premiums down without lowering benefits or raising deductibles? You need a smart alternative to the typical PPO network discounts that hardly make a difference in terms of…
Read MoreMany companies have evaluated the increasing premium costs associated with their group medical insurance programs and have looked for ways to improve cash flow and economize on the budget for employee benefits. This has given rise to partial self-funding and insured stop-loss managed platforms. Any company that is not using this type of a plan…
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