Q1: My employer offers employees cash to reimburse the purchase of an individual market policy. Does this arrangement comply with the market reforms? No. If the employer uses an arrangement that provides cash reimbursement for the purchase of an individual market policy, the employer’s payment arrangement is part of a plan, fund, or other arrangement … Read more
Health care costs continue to bedevil managers of small-to-mid-sized businesses. But talent acquisition is quickly catching up to health insurance as a limiting factor in their growth, and the competition from U.S. and foreign firms is heating up. These are some of the high-level findings of a comprehensive study produced by Lucas Group, a national … Read more
From 1940 to 1970, it was very common for people to purchase whole life insurance. A policy could secure income for their family in case of an untimely death and also help subsidize their retirement planning. Term insurance wasn’t very prevalent in those days. Then, in 1981, the Tax Equity and Fiscal Responsibility Act (TEFRA) … Read more
Professional employer organizations (PEOs) and insurance agents have been traditional competitors because PEOs provide Workers’ Compensation and Health insurance under their master plans to client firms. But times have changed. In the late 1990s, three PEOs were formed with plans to enter into marketing agreements with insurance agents. All three quickly grew to rank among … Read more
1) $6.6 billion in sales Voluntary sales increased again in 2013, reaching $6.644 billion, up from $6.03 billion in 2012. The average increase for the top 15 carriers was 8 percent. 2) Brokers are leading sales Increased voluntary sales this past year were mostly fueled by benefits agents. Benefits agents continued to generate the largest … Read more
One of the most common questions clients ask about Roth IRAs is “Should I make a Roth conversion?” If the answer is yes, the next question is “When should I convert?” While Roth conversions can make sense at any age, depending on your clients’ particular circumstances, generally speaking, the younger a client is, the more it … Read more
States that have chosen to expand Medicaid programs as permitted by the Patient Protection and Affordable Care Act will represent the greatest opportunities for increased health insurance sales during the next two years, according to an Avalere Health study. Avalere used its model for Medicaid managed care enrollment to create projections on a state-by-state basis … Read more
The 10 essential health benefits as defined by the Patient Protection and Affordable Care Act were viewed by the Obama administration as, well, essential. But the controversial list included coverage of many procedures and treatments that had formerly been only partially covered or not covered at all. In addition to objections raised by some based … Read more
Plan sponsors are increasingly showing a willingness to incorporate new, more complex approaches to help their employees better prepare for retirement. But there’s at least one new plan design idea that remains largely unfamiliar to many of their advisors: The addition of health saving accounts, which are used to set aside dollars for medical expenses … Read more
Health Net Inc. says individual claim costs are about twice as high as they used to be. Health Net gives an early look at the effects of the Patient Protection and Affordable Care Act (PPACA) on individual major medical experience in a document filed with the California Department of Insurance. PPACA now requires health insurers … Read more
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