Is Disaster Brewing in New York’s Small Group Market?

Businessman with umbrella standing in the rain

The United Hospital Fund (UHF) just issued a comprehensive study of patterns in the New York State small group market and they don’t look good. From 2007 to 2016 enrollment shrank by 600,000 members, to 1.1 million. Rates were 35% higher than the national average. This, despite New York being one of the very few states to increase… [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]

New York Legislators – Wake Up and Pay Attention


The PACE Act – one of the few federal healthcare legislative efforts which was passed by a divisive Congress in the past few years – allows states to determine the group size limit of their community rating or small group risk pools. Most states reverted to the pre-ACA 50 life threshold, but New York, California,… [Read More]

Small Groups Have Options – PEOs

Calculating Healthcare Cost

Professional Employer Organizations (PEOs) are a potent weapon for small groups facing costly premiums, limited networks, very high deductibles and plans with no out-of-network benefits. The PEO is a business which takes over the human resource and benefits function from an employer. Instead of being forced into the community rated pool, the PEO aggregates small… [Read More]