For startups and small or growing businesses, hiring your first (or 50th) employee is a significant milestone. And during a time when your business is solidifying its culture and brand, hiring the right people is also a key part of branding your business.
A "perfect storm" of unsustainable costs and new Affordable Care Act (ACA) provisions has experts saying the landscape of employer health insurance is changing. Rapidly. Employers (especially smaller employers) are eager to find ways to offer quality health insurance to employees that both meets the requirements of the ACA and is financially viable to their business.
In a recent Gallup poll, Americans named health care cost as the most urgent health problem in the nation this year -- citing this issue more than health care access, obesity, and cancer. The poll found that health care costs prohibit 30% of Americans from getting treatment. And, lower-income and younger adults are most likely to have delayed treatment.
As of 2014, tax credits are available to help individuals purchase health insurance coverage through the new health insurance marketplaces. The individual health insurance tax credits are based on income, and are advanced-payable so they can be used right away to lower the monthly premium costs. The health insurance tax credits range on a sliding scale, depending on income. So, what happens if your income changes during the year?
How do your region's ACA health insurance plans compare to other US regions? Is your state's uninsured rate higher or lower? What are the subsidy amounts projected across the nation? How do your health plan premium rates stack up?
With the increasing adoption of defined contribution healthcare and new health care reform provisions, individual health insurance is on the rise. Here are our top five articles on individual health insurance in 2013. These represent our most read, most commented on, and most shared articles on individual health insurance this year.
The Affordable Care Act (aka ACA, PPACA, health care reform, ObamaCare) has been one of the biggest health benefits topics of the year. Businesses, health insurance brokers, CPAs, and employees alike have been trying to understand, and keep up to date, on the new regulations. From practical to controversial, here's our top ten articles this year on health care reform. These represent our most read, most commented on, and most shared articles on health care reform in 2014.
How will individual and small group health insurance rates compare in 2014? This is a common question from brokers, employers, and employees as they determine their health benefits strategy for 2014 -- especially as they weigh "pure" defined contribution vs. a traditional small group health plan. This article provides an analysis of average rates in 2014 for plans offered on the individual and small business SHOP exchanges.
As more and more companies adopt defined contribution healthcare, employees may have questions about how the health benefits program works and how it benefits their family. This article answers basic questions employees may have and provides a framework for explaining defined contribution healthcare to employees.
If you were asked to grade the current health care system, what grade would you give? In their 2013 Survey of US Employers on health care costs and reform, Deloitte asked 500 employers this question. The results?
Disclaimer: The information provided on this website is general in nature and does not apply to any specific U.S. state except where noted. Health insurance regulations differ in each state. See a licensed agent for detailed information on your state. Zane Benefits, Inc. does not sell health insurance.