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What Employers Should Tell Employees About HSAs

There are many reasons why more people don’t take advantage of the savings that come from an HSA (Health Savings Account), but a primary one is that most employers do not inform their employees about how HSAs work and help employees and their families. After all, using an HSA to pay

What You Should Know About Captive Insurance

Long considered an alternative market, Captive insurance programs are steadily moving to the forefront of business insurance choices. In this blog, I’ll explain exactly what a captive is, how a captive works with business taxes, and the benefits of captives. I’m indebted to an article published online by the International

How to Avoid Healthcare Cost Pitfalls

The relationship between employers and employees can be successful – and it’s usually dependent on the employer’s ability to make good decisions. If the employees are thriving, healthy and happy, the employer most likely has a strong and secure decision-making process that helps the employees – and the company – succeed. Of

How You Can Control the Cost of Employee Health Insurance

Employers know that the cost of providing health insurance to employees can be a high cost line item, usually second only to payroll. Worse, it can be a fast rising cost that you have little or no control over. It’s a crazy system that makes you choose an employee health plan

What Does the CVS/Aetna Merger Mean for Your Health Care?

We’ve been hearing rumblings about this merger for quite some time and it has finally happened. CVS Health announced that it plans to acquire Aetna, one of the nation’s leading diversified health care benefits companies that serves about 44 million people. Assuming this is approved by shareholders and gets the green

Senate Postpones Health Vote; Is ACA Here to Stay?

The healthcare vote in the Senate has been delayed because they do not have enough votes to get it through the Budget Reconciliation process, which requires 51 votes to pass. In addition, if something isn’t passed by August 1 of this year, I think they will move on to tax reform and

New Senate Health Bill Includes Waiver Wild Card

Here in California, it’s safe to say we as a State would not be asking the federal government for a waiver. The State of California has been a big proponent of the ACA and the Covered California Exchange. If more control is left up to the States it’s the “ Status

Should You Digitalize Your HR Processes and Benefit Administration?

In order for small and mid-sized companies to stay relevant and recruit top talent, especially among millennials who are projected to make up 50 percent of the U.S. workforce by 2020, they will need to keep pace with the latest advancements in HR technologies. Employees are increasingly going online to enroll