Small Group Savior? Another Look at QSEHRAs

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Small employers are often looking for ways to break out of the community rated market and lower their health insurance costs, as I’ve witnessed firsthand and written about over the years. In more recent posts we’ve discussed reference-based pricing, PEOs and self-funding as methods small employers can use to potentially gain access to more favorable plan designs and rates. There’s… [Read More]

Take Advantage of Health Insurer Cherry Picking

Take Advantage of Health Insurer Cherry Picking

I frequently witness the frustration of small group employers over the inability to customize plan design or receive premiums that reflect the health of their employee population. Growing companies often look forward to hiring their 51st employee, the magical threshold where many state insurance laws allow rate negotiation and some plan design flexibility. Some states even… [Read More]

PEOs – Key Factors You Need to Consider

PEOs – Key Factors You Need to Consider

Professional Employer Organizations (PEOs) have continued surfacing as a solution for many small employers, but where do you begin when trying to understand if a PEO is right for your business? Decide if a PEO makes sense for your business BEFORE evaluating the savings. A PEO can seem tempting when quotes come back 10% to 20%… [Read More]

An Open Letter to the Trump Administration

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As your transition team morphs into your operations group, I thought I would take a moment to give my thoughts on ACA as a seasoned consultant to this industry. While I hear the blustering about repeal and replace, it is my strong belief that any successful bi-partisan remake of healthcare will need to build from… [Read More]

PEOs – Another Game Change

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Last week, President Obama signed the Small Business Efficiency Act (SBEA) into law. SBEA – which becomes effective January 1, 2016 – gives legislative clarity to PEOs, recognizing the business model as a legitimate option for businesses to outsource their human resources and employee benefits functions. While PEOs are already recognized by 39 states, this federal legislation… [Read More]

Five Tips for Small Business Benefits Success

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Yes. Small business owners have more limitations than large business in medical plan products. No. That doesn’t mean there is nothing to be done to improve productivity and lower cost. The trick is to know the territory and keep alert for opportunity. These five tips will help you make more informed choices. 1. Know Your Participation Requirements… [Read More]