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ACA Update – Happy Fourth of July

Happy Fourth of July to everyone. In case you did not hear, adding to the maximum 90 day wait for eligibility for new hires now the IRS & HHS has decided employers can implement a [...]

By | July 2nd, 2014|Categories: benefits, Governments|Tags: , , |

Employers and HR Managers Search for New Employee Benefits Options

During WWII the government enacted wage controls but decided employee health insurance was not a wage.     Employers used the offer of health insurance plans to attract and retain quality employees.    Today, the ACA is dramatically [...]

By | May 29th, 2014|Categories: benefits|Tags: , , |

Small Companies can offer Big Benefits

As ACA continues to impact all business owners, small businesses are looking for ways to continue and offer benefits plans which retain employees. Voluntary benefits, including Dental, Vision, Accident, Critical Illness, Cancer and Disability are [...]

By | May 13th, 2014|Categories: Employee Benefits, Voluntary Benefits|

Feds continue progress toward National Healthcare

With the implementation of the individual exchanges behind them, this administration continues to implement the steps needed to move our country to a National Healthcare [Single Payor] plan, which is after all their objective. JUST [...]

By | April 28th, 2014|Categories: Health Care Reform, PPACA|

Defined Contribution

I completed training for a carrier's new "Defined Contribution" plan and in the training they specifically identified that the "Contribution" cannot be used for purchasing a IM policy, only for their Limited Medical or Supplemental [...]

By | April 9th, 2014|Categories: Health Care Reform, PPACA|

The problem with Employer MEC plans

Caution with MEC Plans Lisa Williams, an insurance and education specialist based in Flower Mound, Texas, recently shared a very good article on the pitfalls of employers using MEC plans to meet ACA requirements.    If [...]

By | March 28th, 2014|Categories: Employee Benefits, Health Care Reform, PPACA|

Newsletter and recent “another” delay

Please click here for my latest Newsletter:  Aden April 2014 Last evening the US Administration made another "adjustment" in the ACA. ·    (Bloomberg) – Americans will get more time to enroll in Obamacare insurance plans if [...]

By | March 26th, 2014|Categories: Health Care Reform, Health Insurance, PPACA|

We are losing our Freedoms under ACA

This has to be said.   HHS is now trying to pass a law (BenefitsPro March 17, 2014) which will end the ability to sell "Indemnity Products" unless a government mandated MEC plan is also sold.  [...]

By | March 21st, 2014|Categories: Health Care Reform, Health Insurance, PPACA|

Small Companies can offer Big Benefits

As ACA continues to impact all business owners, small businesses are looking for ways to continue and offer benefits plans which retain employees. Voluntary benefits, including Dental, Vision, Accident, Critical Illness, Cancer and Disability are [...]

By | March 13th, 2014|Categories: benefits|Tags: , |

Washington Announces – everyone gets a delay?

Both small employers and midsize employers that like their coverage might be able to keep it in place until Oct. 1, 2016. Gary Cohen, the outgoing director of the Center for Consumer Information & Insurance [...]

By | March 7th, 2014|Categories: Health Care Reform, PPACA|