Small Group Savior? Another Look at QSEHRAs

Magnifying glass looking at health care newspaper headline, on cash

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]

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]

2017 Kaiser Family Foundation Survey Results

medical cost, stethoscope on dollar banknote money. concept of health care costs, finance, health insurance fund.

Kaiser has just published its 2017 annual benefits survey and I think the folks in Washington, D.C. all need a copy. Approximately half of the United States’ non-elderly population gets healthcare coverage through their employer, so this survey reveals what many Americans are experiencing. While employer coverage is far better, in many respects, than the coverage… [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]

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]

The Times They Are A-Changin’ in Group Insurance


I had an enlightening breakfast meeting today and the topic, of all things, was the small group insurance marketplace. This is a market facing an enormous amount of change. Central to the change is the advent of the exchanges; the lack of employer mandate for groups under 50 employees and the most important change: issuance… [Read More]

Small Business Will Feel PPACA’s Impact on Small Group Carriers


PPACA is creating new pressures on small group carriers with the launch of the state health insurance exchanges in 2014. As the insurers respond, small businesses will feel the impact. Market consolidation has already reduced choices for small businesses. Now, in the New York tri-state region, carriers are trimming the number of products they offer… [Read More]