Health Savings Accounts – the Tax Advantage Triple Threat

Health Savings Accounts – the Tax Advantage Triple Threat

As Tax Day comes and goes every year, it makes me think of the money I owe Uncle Sam and if I did everything I could to reduce my taxable income, like take advantage of any pre-tax benefit options available to me through my employer-sponsored programs. Did you know that Health Savings Accounts (HSAs) can… [Read More]

ACA Penalties – Not Gone Yet

ACA Penalties – Not Gone Yet

Although the Trump Administration has clearly signaled that enforcement of the individual penalty will not likely be a target for 2017, it is not as clear concerning the employer penalty. Earlier this month the Treasury Department issued its report titled “Affordable Care Act: Assessment of Efforts to Implement the Employer Shared Responsibility Provision.” The Treasury… [Read More]

Small Group Renewals – the Devil Is in the Details

Small Group Renewals – the Devil Is in the Details

With year after year of large premium increases, it’s no wonder many employers are happy to receive a health insurance renewal below 10% – but low-percentage renewals can often gloss over key changes to the policy that are not boldly highlighted in the renewal offer. So what kind of changes are we talking about here?… [Read More]

What’s Next for Healthcare Reform?

What s Next for Healthcare Reform

The failure of the GOP to pass the American Health Care Act is a major issue for the Republican Party. Recent polling has shown that blame for healthcare exchange failure will fall to them and they will be unable to point their finger at the Obama administration since they are now the party in control. President… [Read More]

Total Wellness

Total Wellness

Recently, I’ve had a few long-time wellness clients ask me “what’s next?” They’re wondering what’s new in wellness and what can they do to refresh their established programs. I must say, I get quite excited when clients want to go above and beyond basic wellness programming. For those of you who are new to wellness,… [Read More]

Are Association Health Plans a Good Idea?

Are Association Health Plans a Good Idea

A topic often discussed in the healthcare debate is Association Health Plans (AHPs). Proponents believe that small businesses with a common thread should be able to join together to purchase healthcare in the same way larger employers do, negotiating component costs with bargaining clout of the combined employee lives. And recently, the “Small Business Health… [Read More]

Severance: Too Much of a Good Thing

Severance- No Good Deed Goes Unpunished

UPDATE: Administrative practices of HHS appear to have recently changed and now may allow for a special enrollment on the exchanges if the employer COBRA subsidy ceases, forcing the participant to pay the full COBRA cost. However, New York State’s Marketplace informed Frenkel that they will only consider that to be the case if the… [Read More]

Bridge Your Engagement Gap – Go Mobile

Bridge Your Engagement Gap – Go Mobile

The impact of mobile technology in every industry is profound and those of you in HR will see a significant impact to your field as well. Mobile technology is quickly being embraced by organizations to engage their workforce – after all, engaged employees drive our business. They are productive, loyal and increase the bottom line…. [Read More]

American Health Care Act – the Aftermath

American Health Care Act – the Aftermath

I was really surprised that the Republicans were unable to find compromise in their effort to repeal the Affordable Care Act. My belief was that there was too much at stake for the GOP and they would find a way to make it happen. After all, they campaigned on repeal and replace for over 7… [Read More]

Making Healthcare Sausage

Making Healthcare Sausage

The political process is a lot like making sausage. And healthcare is no exception. Generally, a bill is first introduced in the House where a majority vote is required for passage. Once the bill passes the House, it goes to the Senate where it can be passed as introduced (which requires a majority). It can also be… [Read More]