Interest in stop-loss insurance grows

By Tristan Lejeune Traditionally a funding option preferred by large employers, self-insured health plans are becoming more and more common for small- and medium-sized companies as well. According to a Kaiser Family Foundation study, 60% of American workers covered by employer-sponsor
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Outcomes-based programs not widely adopted

By Tristan Lejeune Most employers have established employee wellness programs in their continuing efforts to rein in health care costs, and many of those programs use incentives. Similarly, the majority of companies now use some kind of auto-enrollment feature or other technological f
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ACA changes: Thinking ahead to 2014

By Michael F. Tomasek and Mark R. Goodman As 2014 rapidly approaches, employers are preparing for the next round of Affordable Care Act-mandated plan changes and some are beginning to think outside of the box. Beginning next year, a group health plan will no longer be permitted to imp
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CCIIO Guidance on Third Party Payment of Premiums for QHPs

The Center for Consumer Information and Insurance Oversight (CCIIO) has issued new guidance addressing the question of whether third party payors are permitted to make premium payments to insurers on behalf of individuals enrolled in qualified health plans (QHPs). The guidance states:
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In 2014, Workers’ Share of Health Costs Nearly $5,000 At Large Companies

By Bruce Japsen Companies that have long provided health coverage continue to pile a larger share of medical costs onto their workers as employees next year face nearly $5,000 in premiums, co-payments, deductibles and other forms of co-insurance. Read more…
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Changes to Regulations Affecting Renewing Plans (HRA, FSA, PRA)

By Ric Joyner, CEBS, GBA, RPA, CFCI On September 13, 2013 the IRS changed the rules with Notice 2013-54 for Premium Reimbursement Arrangements (PRAs), Health Flexible Spending Accounts (FSAs), and Health Reimbursement Arrangements (HRAs). The IRS in verbal comments, to clarify their p
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Obamacare trade-off: low premium, high deductible

Article Written by: Richard Alonso-Zaldivar   Taken From:   The Fresno Bee WASHINGTON — You might be pleased with the low monthly premium for one of the new health insurance plans under President Barack Obama’s overhaul, but the added expense of copayments and deductibles could
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NC health plans fewer, costs higher than US norm

Article Written by:  Emery Dalesio   Taken From:  WRAL RALEIGH, N.C. — North Carolina residents will pay more than the national average and have fewer choices on the state’s federally run online marketplace for health insurance, figures released by federal health officials showe
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Administration Releases Federal Exchange Rates

Contributed By:   Jennifer McCormick, Esq. HHS released a report “revealing” the cost of the federal exchange plans, which open next Tuesday October 1, 2013. From our review, this report must come with many disclaimers, as it illustrates the average starting price for a 27 year old in
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Obamacare: Questions answered about Affordable Care Act

Article Taken From:  Chronicle With the launch of new health insurance exchanges just about two weeks away, many of the questions in this month’s mailbag focused less on the big picture and more on exactly how the law will operate for individuals. We can’t answer every question we get
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