Five Must-Fix Items in the Affordable Care Act – The Small Business Deductible

Editor’s Note:  We initially expressed concern about the impact of the small business deductible cap in September 2012.  Since that time, the Department of Health and Human Services issued a final rule on the application of the small business deductible.  Under that ruling, the Affordable Care Act provision allowing small businesses to use medical expense […]

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Seven Reasons Your Business Is Overpaying for Health Insurance

Are you getting the most for your dollar with your company’s health insurance plan?  When we ask that question, quite often the answer starts as “Yes” and pretty quickly turns  to “I don’t really know.”  The simple fact is that most business leaders only know the toll rising health insurance costs are taking on the […]

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Time to Bend the Health Insurance Cost Curve

There was an interesting health insurance discussion on the social networking site LinkedIn recently.  Participants were talking about the 2011 United Benefits Advisors Health Plan Study.  The study noted that Consumer Directed Health Insurance Plans, at 22.9% of employer-provided health plans, surpassed HMOs, which now represent only 17.8% of employer health plans.  Both still lag far behind PPO plans (48.4%), according to […]

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