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HDHP

Employers Rethink HDHPs as More People Struggle with Medical Bills

Uncategorized /

As the number of employers offering high-deductible health plans continues growing, the spotlight recently has highlighted an inconvenient truth: some employees are going broke and filing bankruptcy because they cannot afford all of the out-of-pocket expenses and deductibles they must pay in these plans – just like the bad old days in the 1990s and […]

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Sea of hands

DOL Issues Final Rules for Association Health Plans

Healthcare /

The Department of Labor in June issued its final rules for expanding employers’ access to association plans, a move that could result in some increases in premiums for other plans, including Affordable Care Act-compliant small group health plans. The rule in its essence allows more small businesses and self-employed workers to band together to buy

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Red heart, stethoscope and paper chain family on wooden table

DOL Employers Expect 6% Hike in Health Costs for 2019

Healthcare, Uncategorized /

The IRS has released the inflation-adjusted amounts for 2019 used to determine whether employer-sponsored coverage is “affordable” for purposes of the Affordable Care Act’s employer shared responsibility provisions. For plan years beginning in 2019, the affordability percentage has increased to 9.86% (from 9.56% in 2018) of an employee’s household income or wages stated on their

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Doping the market

Pharmacy Benefit Managers: A Break On Rising Prescription Costs Or a Cause of Them?

Healthcare, Uncategorized /

In 2015, spending on prescription drugs grew 9%, faster than any other category of healthcare spending, according to the U.S. Centers for Medicare and Medicaid Services. The report cited increased use of new medicines, price increases for existing ones, and more spending on generic drugs as the reasons for this growth. Increasingly, though, observers of

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White Paper: How Managing the Healthcare Supply Chain Creates Savings for Your Business

Leave a Comment / Business, Healthcare /

In this document, we provide you with a summary of steps in the healthcare supply chain where your advisor can help you reduce costs. By being informed, you’ll make the best decisions for your employees and your bottom line. Managing the ‘supply chain’ is a standard practice in virtually every industry because of the significant

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Next Generation Benefits Advising

Leave a Comment / Business, Healthcare /

The Difference Between a “Status Quo” Insurance Broker and a Next-Generation Benefits Adviser Delivering healthcare to your employees is a growing business challenge. Not only do annual premiums rise year-after-year, but more employees are making career decisions based on benefits plans, especially as pressure on consumer healthcare costs increase as well. Your benefits plan is

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