Employee health insurance options for dentist offices
PeopleKeep
MARCH 13, 2024
Like other small employers, dentists may wonder if they must offer health insurance benefits to their employees.
Child Support Report Covers Connecting Kids to Health Insurance
PayrollOrg
JANUARY 8, 2024
Read PAYO’s article, “How Employers Help Connect Kids to Health Insurance” in the December edition of the Child Support Report, published by the federal Office of Child Support Services.
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Group health insurance vs. ICHRA
PeopleKeep
NOVEMBER 1, 2023
Traditionally, group health insurance has been the go-to option for employers. However, the introduction of the individual coverage health reimbursement arrangement (ICHRA) in recent years has given organizations an alternative to consider.
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4.4 million employees are covered by corporate health insurance
Employee Benefits
NOVEMBER 2, 2023
More than four million people are now covered by health insurance through their employer, according to data from the Association of British Insurers (ABI). The number of employees benefitting from health insurance increased by 8% from four million in 2021 to 4.4 million in 2022. The post 4.4
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A Benefits Leader's Top Priority: Reducing Cancer at all Costs
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employers are bracing for the largest increase in health insurance costs in a decade next year. And the largest healthcare expense to employers?
Which states require you to have health insurance?
PeopleKeep
MARCH 27, 2024
One initial aspect of the ACA required all Americans to obtain health insurance that provided minimum essential coverage (MEC) through their employer or on an individual basis or pay a federal tax penalty. The federal government has since repealed the health coverage requirement and penalty known as the individual mandate.
The complete history of employer-provided health insurance
PeopleKeep
MARCH 5, 2021
What if we told you that the creation of health insurance was actually an accident? Or that the way we think about health insurance is changing? Here, we’ll cover the history of health insurance in the U.S.,
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What Percentage of Health Insurance Do Employers Pay?
Patriot Software
OCTOBER 14, 2022
Offering employer-sponsored health insurance keeps your employees healthy and happy. If you’ve decided to provide coverage, you might be wondering, “What percentage of health insurance do employers pay?” Learn what you must pay as an employer, and look at recent data on average costs.
Why do employers offer health insurance?
PeopleKeep
MAY 12, 2023
Health insurance is one of the most sought-after benefits an organization can offer. But few know why employers started providing health insurance in the first place. Employer-sponsored health insurance became widely adopted during World War II.
Do employers have to offer health insurance to part-time workers?
PeopleKeep
MAY 18, 2022
Having access to employee benefits like health insurance isn’t always guaranteed for part-time employees. According to the Bureau of Labor Statistics , only 23% of employees with part-time jobs were offered employer-sponsored health insurance.
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Individual health insurance vs. group health insurance
PeopleKeep
OCTOBER 17, 2021
If you’re offering health benefits for the first time, or are considering changing up your benefits strategy, it's common for employers to compare a traditional group health insurance plan with individual health insurance reimbursement options, like health reimbursement arrangements (HRAs).
What Percent of Health Insurance is Paid by Employers?
PeopleKeep
AUGUST 12, 2020
When evaluating a new or existing health insurance program, your organization's contribution strategy is an important consideration. In simple terms, how much will individual employees pitch in for coverage, and what percent of health insurance is paid by the employer?
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Are Employers Required to Offer Health Insurance? | BerniePortal
BerniePortal
AUGUST 3, 2021
In fact, 88% of workers surveyed reported that they would consider or heavily consider a position with good insurance options. Likewise, according to survey data from employment search engine Monster, employees consider health insurance to be the most important benefit when considering a job offer.
Can employers pay for employees' individual health insurance?
PeopleKeep
JUNE 17, 2021
For many small businesses and organizations, offering traditional group health insurance is a challenge. The good news is, traditional group health insurance isn’t the only option for small employers looking to offer health benefits.
Smallest Firms See Largest Health Insurance Hikes
InterWest Insurance Services
APRIL 27, 2023
A new report has found that small businesses that purchase their group health insurance online or through payroll vendors saw the largest premium hikes in 2022, significantly higher than those that went through brokers. Overall, more than half of SMB employees opt out of their employer-sponsored coverage.
Health insurance premiums rise to $24,000 a year
Employee Benefit News
OCTOBER 18, 2023
The average employer-sponsored health insurance premium for US families rose 7% to almost $24,000 this year.
Ten Benefits of Self-Employment in Later Life
Money Talk
OCTOBER 11, 2023
For this post, I decided to reflect upon ten benefits of self-employment in later life that I (and other older entrepreneurs) have experienced: Additional Income - A successful business provides additional cash beyond Social Security and other expected sources of income in later life. Almost half of all U.S.
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What does health insurance cover?
PeopleKeep
APRIL 6, 2022
With the addition of the Affordable Care Act (ACA), access to affordable health insurance increased, giving more Americans agreat way to reduce unexpected medical costs to a more reasonable amount. Census Bureau says roughly 91% of all Americans are now covered by some form of health insurance. In fact, the U.S.
Health Insurance Benefits for Employees – Why It’s Important
Pacific Prime
MARCH 9, 2023
With so many flashy, new wellness benefits on the rise in the industry, it can be easy to forget about the more common perks like employee medical insurance. Employer-provided health coverage has become the standard foundation benefit for the platform of many companies.
Group coverage vs. individual health insurance cost
PeopleKeep
OCTOBER 25, 2021
Deciding whether to enroll in a group health insurance plan through your employer or to purchase your own individual health insurance plan can be a confusing decision to make. Many people assume that individual health insurance is more expensive than group health insurance, but is that really true?
How Much Does Individual Health Insurance Cost?
PeopleKeep
OCTOBER 7, 2021
Many people assume that individual health insurance is more expensive than group health insurance. Note: Individual health insurance is purchased by an individual for themselves or their family, and group health insurance is purchased by an employer for employees.
Mental health insurance coverage is a must for modern employers
Business Management Daily
OCTOBER 6, 2021
Whether you know it or not, you have employees that are currently experiencing mental health struggles. As an employer, you want to create an environment that allows employees to do their best work and feel good about their contributions. Are mental health services covered by health insurance?
QSEHRA Plan: Health Insurance Alternative for Qualifying Small Employers
Patriot Software
FEBRUARY 10, 2022
Do employers have to offer health insurance? Under the Affordable Care Act, you must provide health insurance if you have 50 or more full-time equivalent employees. A Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) is […] READ MORE. What is a QSEHRA plan?
Cost of employer-sponsored health insurance
PeopleKeep
NOVEMBER 22, 2021
Whether you’re exploring cost-effective health plans for your organization or researching health reimbursement arrangements (HRAs) for the first time, a common question business owners have is, “How much does health insurance cost per employee?”. We’ll also explain how you can use an HRA to further control your budget.
Can you have two health insurance plans?
PeopleKeep
DECEMBER 29, 2021
Navigating the world of health insurance can be tricky, especially if you’ve found yourself with more than one health insurance plan to figure out. While most Americans only have one plan, known as “primary” insurance, some individuals will have another plan, known as “secondary” insurance.
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Does My Employer Have to Provide Health Insurance?
PeopleKeep
FEBRUARY 12, 2020
A common question among employees is does my employer have to provide health insurance? The health care reform law, called the Affordable Care Act (ACA) , requires certain employers to purchase health insurance or else pay a tax penalty. The answer? Not necessarily.
Five advantages of individual health insurance
PeopleKeep
SEPTEMBER 9, 2021
While group health insurance plans have traditionally been a popular choice for employer-sponsored health benefits, more and more employers are embracing reimbursement models, like health reimbursement arrangements (HRAs). New to signing up for individual health insurance?
How to make individual health insurance work for small employers
PeopleKeep
JULY 12, 2021
As a small business owner, it’s likely that you, your family, and your employees are covered by individual health insurance policies. But at the same time, your business is growing and the question of expanding your health benefits is on the table. New to offering health benefits?
What is group health insurance?
PeopleKeep
JULY 21, 2023
Traditional group health insurance has been a top employee benefit for many decades. of Americans had employer-sponsored group health insurance in 2021. According to the U.S. Census 1 , 54.3%
March 28, 2024 – Health Insurance Captives and Cost-Containment Initiatives
InterWest Insurance Services
JANUARY 30, 2024
With health insurance rates steadily rising, employers are seeking alternative solutions to combat escalating premiums. As the standard market continue to deliver rate increases and the traditional self-funded approach gets more volatile, health insurance captive strategies are gaining traction across various sectors.
Does My Employer Have to Provide Health Insurance?
PeopleKeep
FEBRUARY 12, 2020
A common question among employees is does my employer have to provide health insurance? The health care reform law, called the Affordable Care Act (ACA) , requires certain employers to purchase health insurance or else pay a tax penalty. The answer? Not necessarily.
United States Trends in Health Insurance for Private Employers
Global People Strategist
JULY 13, 2022
As the cost of healthcare continues to rise, private employers are searching for new and innovative ways to provide health insurance for their employees. Here we will take a look at some of the latest trends in health insurance for private employers. The Rise of High Deductible Health Plans.
Will health insurance be more expensive for the unvaccinated?
PeopleKeep
AUGUST 18, 2021
As the world continues to feel the effects of the global pandemic, health insurance professionals are speculating whether changes in health insurance costs could be coming soon for unvaccinated Americans. With the large majority of COVID-19 deaths and hospitalizations in the U.S.
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How to apply for individual health insurance
PeopleKeep
JULY 8, 2021
More and more employers today are adopting reimbursement models for their employees’ healthcare, empowering employees to choose their own individual health insurance plan and get reimbursed, tax-free, for their premium. Download our guide to see how much healthcare costs in your state.
2022 Health Insurance Outlook, Changes
InterWest Insurance Services
DECEMBER 9, 2021
These rules were all not mandatory and employers could choose whether to relax them or not. Here are the rules that will sunset at the end of 2021: Allowing employees who had declined group health insurance for the 2021 plan year to sign up for coverage. Allowing for a higher FSA carryover amount than the typical $500.
Inflation Could Hit Group Health Insurance Premiums
InterWest Insurance Services
JULY 14, 2022
The health care sector is not immune to the effects of spiking inflation, and the increasing cost of care is likely to spill over into health insurance — but it’s uncertain by how much. It’s due to these pre-negotiated contracts that employers didn’t see a surge in their premiums coming into 2022.
Webinar Invite – The New Math of Health Insurance
Joe Markland
OCTOBER 29, 2020
The Key to Cost Reduction for Years to Come November 5th From 12:00 – 12:00 EST Register Now What if the math you were using to advise your clients around health insurance was wrong? And this New Math can pave the way to lower insurance costs for years to come.
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Is health insurance reimbursement taxable?
PeopleKeep
OCTOBER 21, 2020
Under IRS rules , employers can reimburse employees for their health insurance in a tax-advantaged way. The most prominent vehicle for doing so is a health reimbursement arrangement (HRA).
Do small businesses have to provide health insurance?
Higginbotham
JUNE 5, 2023
One question in particular comes up a lot: Do small businesses have to provide health insurance? For very small businesses, health insurance is often optional. Back to the main question at hand: Do these small businesses have to provide health insurance to their employees? The answer is it depends.
What to do when your group health insurance premiums go up
PeopleKeep
SEPTEMBER 15, 2021
As renewal season comes around each year, employers everywhere brace themselves for what their new group health insurance premiums will look like in the new year—because chances are, they’ll be higher. When group health insurance premiums go up, it gets that much harder to meet the employer contribution requirements.
Three ways to help employees become better health insurance consumers
PeopleKeep
AUGUST 13, 2021
population gets their health insurance through their employer. That means half of the country doesn’t get to make any real consumer decisions about their health coverage, its cost, or what network they’re in. According to data from the Kaiser Family Foundation , nearly half of the U.S.
Group Health Insurance Considerations For Staff Working Past Retirement Age
InterWest Insurance Services
JANUARY 17, 2023
There are a number of issues that Medicare-eligible workers face that your human resources staff may be asked about, such as: Penalties for late Medicare enrollment, Whether the employer plan is the primary or secondary payer of claims, and. How Medicare eligibility affects health savings accounts. Discontinuing group health coverage.
Employee wellness matters: Exploring the benefits of health insurance
Higginbotham
AUGUST 10, 2023
An employee wellness program is a driver of success and sustainability for any organization in any industry, and the core of an effective strategy for employee wellness is comprehensive health insurance coverage. Large companies are making wellness program investments for the benefit of both employer and employee.
Top five health insurance terms to know
PeopleKeep
JUNE 10, 2021
If your employer is offering a health reimbursement arrangement (HRA), chances are you’re going to be shopping for your own individual health insurance—maybe even for the first time. If you’re new to the health insurance market, don’t worry! If you’re new to the health insurance market, don’t worry!
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