Health coverage for employees presents one of the most critical decisions an employer encounters. Fortunately, because of innovative group plans, valuing your employees’ overall health does not need to strain your company’s budget. Credit the reference based pricing (RBP) program and group health insurance plans for the availability of an affordable employee plan. They allow… Read More


If you own a business you’re concerned about your company’s overall wellness. That concern should include thinking about the wellbeing of everyone in your company and taking steps to ensure they can take better care of their health. To make this possible, you should seriously consider providing your employees group health insurance coverage.… Read More


A lot of small business owners, particularly those with less than 50 employees, are reluctant to offer health insurance because of its cost. However, recent developments in the health care and insurance industry have led to more viable options.   With the many health plan carriers and public and private group health exchanges in California,… Read More


The ACA currently protects individuals from being denied coverage due to pre-existing conditions. Specifically, it prohibits both exclusions of coverage of specific benefits and complete exclusions from a plan or coverage based on a pre-existing condition. The AHCA retains these protections. However, it would allow issuers in states that receive waivers of the community rating… Read More


The American Health Care Act (AHCA) was passed by the U.S. House of Representatives on May 4, 2017. The AHCA will move to the Senate for a vote and possible amendments. The AHCA needed 216 votes to pass in the House. It passed on a party-line vote, with 217 Republicans and no Democrats voting in… Read More


On May 5, 2017, the Internal Revenue Service (IRS) released the inflation-adjusted limits for health savings accounts (HSAs) and high deductible health plans (HDHPs) for 2018. These limits include: • The maximum HSA contribution limit; • The minimum deductible amount for HDHPs; and • The maximum out-of-pocket expense limit for HDHPs. These limits vary based on whether an… Read More


Every employer wants their staff to feel satisfied with their work, not only because they want them to be happy, but because a better emotional well-being increases productivity and reduces occurrences of sickness and absence. With as many as 40% of people reporting poor emotional health, employers need to do what they can to make… Read More