Providing creative and innovative health insurance solutions that employers need.

How the Affordable Care Act survived the numerous attempts to be repealed during 2017 and what have changed.

With more than 15 failed attempts to repeal and/or replace the Affordable Care Act during 2017 which has resulted in no more clarity than before. The outcome after all this political posturing is just more fingers being pointed from both sides of the aisle saying that they can do it better. Easier said than done. […]

Association Health Plans (AHPs) are getting closer to becoming reality.

This will be a great benefit for smaller employers to band together and lower health insurance cost. Recently proposed Department of Labor (Department) regulations governing Association Health Plans (AHPs) would, if made final, permit small employers to be regulated under more favorable, large group rules. The proposed regulations modify the rules governing fully-insured AHPs; they do not […]

Employer Opportunities for Bending Medical Cost Trend and Improving Quality

Check out this article about Employer Opportunities from LinkedIn! Employer-based health insurance covers about half of all Americans. Employers continue to experience unrelenting growth in their medical costs due to year-over-year medical cost trend increases. According to PwC’s Health Research Institute, medical cost trend has been between 6-7% for the past 4 years and is […]

Control Your Company’s Healthcare Costs With A Self-Funded Program

This is a great article that really explains the concept and thought process behind my Major Medical solution. It’s about changing employer’s mindset from being a buyer of health insurance to being a consumer of health insurance.   Its just not thinking about this years rate increase but what health insurance will cost in 10 years and how […]

Calculating FT and FTE employees in 2018

ACA is still the law of the land and the enforcement of being noncompliant is quickly being enforced by the IRS.  These penalties are going to be back breaking for most employers, and there is not going to be any grace/forgiveness period. ACA factual knowledge and understanding is key to your future success.  All legal […]

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