Providing health insurance seems to be a big concern for owners of small- and medium-sized businesses. The costs and reforms associated with health care weigh heavily on the decisions made for these businesses. More than 20 percent of businesses state that costs associated with health care for their employees are a concern, while around 14 […]
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Three years of putting together the new federal health-insurance exchange has now become a reality. With this comes the emergence of new trends. One of the biggest areas that was closely analyzed is new entrants in the healthcare marketplace and the plans that they are offering. Trends of the Exchanges • There are more than […]
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One of the biggest plans that continues to grow in popularity is the defined-contribution health-benefits plan. It is taking over for group health insurance since it is more affordable and does not have complications that you’d normally find with other plans. It is basically an allowance given to employees that they can use on their […]
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A new modification for flexible spending accounts was released at the end of October. Employers can now allow $500 in unused benefits to roll over into the next year. What are Flexible Spending Accounts? These types of accounts are sponsored through the employers and are funded 100 percent by the employee. Employees can use their […]
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A lot of business owners are taking a cautious approach to the new health-care reform and making sure they spend wisely. Only around 30 percent are optimistic about the outlook in the economy for 2014. More than 60 percent stated that they are choosing to spend wisely and invest instead of move forward since they […]
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A lot of employees are wondering when to sign up for the new federal health-care plans in order to avoid any penalties related to the mandate. To answer this question – March 31, 2014. This corresponds with the deadline to sign up for coverage by the end of March, which is the last day of […]
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There are so many businesses that are choosing to use health-insurance allowances for innovative, cost-saving solutions for their employees. What ways are they using these allowances for their benefits? Allowances used as the benefits package – This is the most popular choice and gives employees an amount to spend on health policies of their own […]
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There is a lot of buying power throughout the small-business market if it is approached in the correct manner by insurance agents and consultants. These business owners provide a more unique outlook when it comes to how they make their decisions. They buy differently compared to some of the larger companies out there. There are […]
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Individual health-insurance plans seem to be more affordable than group health-insurance plans. As we move into the new year, those individual health plans have to cover everyone that applies – regardless of health status – and subsidies are available for those that qualify. Even though all of these benefits exist, a lot of companies do […]
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There are polls out there that show how much Americans know about health-care reform – which amounts to very little. However, employees are leaning towards one thing, and that is that the reform is going to increase their health-insurance premiums. They are also thinking that the quality of health-care insurance is going to decline throughout […]
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