Some states are tinkering with the federal government’s Medicaid expansion program by using it to force new Medicaid patients to pay for and invest in their own health coverage. As reported by NPR, the states of Michigan and Indiana have already implemented Medicaid expansion programs that require copays of participants, and strongly encourage them to invest up … Read more
Against a backdrop of stagnant industry growth and technological innovation, the US life insurance industry has begun to experience a shift in the balance of power, away from distributors and manufacturers and towards the end consumer. Technological advances embraced by other financial service industries have created a consumer base that is armed with more information … Read more
Kentucky families will receive $6.2 million in refunds, an average of $43 per family, under a provision of the Affordable Care Act known as the 80/20 rule. The refunds announced Thursday by the federal government are the result of the rule requiring insurance companies to spend at least 80 percent of the money paid in … Read more
The rules for parent-subsidiary controlled group and a brother-sister controlled group of corporations, or a combined group of corporations under Code Section 414(b) are provided below: Parent-Subsidiary Controlled Group of Corporations Under Code Section 414(b), a parent-subsidiary controlled group is one or more chains of corporations connected through stock ownership with a common parent if: 80% or … Read more
If you were ever wondering what those kids born in the early 80s to late 90s are called, they’re commonly known as the Millennials. The Millennial generation will soon have the highest purchasing power in history. So how can insurance companies — or any company — reach them? According to this infographic below, industries should … Read more
The life insurance industry has the best IRS-approved retirement savings plan today—and most investors know nothing about it. This retirement savings vehicle is not a company-sponsored, pre-tax qualified, 401(k)-type plan. It’s also not a Roth. It’s not an annuity or whole life. Despite sales of well over $1 Billion in 2011 for the top 39 … Read more
In the popularity contest between health savings accounts and health reimbursement accounts, there’s a clear winner. Small- to mid-size employers and employees are shifting their attention from HRAs to HSAs, according to a new survey from United Benefit Advisors. In 2013, the number of employers offering HSAs increased from 14.7 percent to 15.1 percent, and … Read more
The volume of retirement assets rolling out of defined contribution plans has gotten the Department of Labor’s ERISA Advisory Committee’s attention. IRAs, along with other investment vehicles that fall outside the jurisdiction of ERISA’s oversight, are growing more popular as boomers retire and move their retirement savings out of employer-sponsored plans. In response, the ERISA Advisory Council this week … Read more
With concern mounting over what is projected to be a shortage of primary care doctors in the not-too-distant-future, medical board officials have taken what they believe to be the first, necessary step in addressing that gap. Recently, the Federation of State Medical Boards (FSMB), the governing body comprised of the country’s medical agencies charged with the licensing, … Read more
As has been noted before, since at least 1965 and the seminal research of Menachem Yaari, economists have recognized that retirees should convert far more of their assets into an income annuity at retirement than they do. Franco Modigliani famously formulated the problem in his Nobel Prize acceptance speech back in 1985: “It is a well-known … Read more
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