United Benefit Advisors Insight and Analysis Blog

Bill Olson

VP, Marketing & Communications at United Benefit Advisors

Recent Posts

With Below Average Cost, Increasing Enrollment, CDHPs Have Big Impact

Posted by: Bill Olson    Dec 7, 2017 9:30:00 AM

When most experts think of group healthcare plans, Preferred Provider Organization (PPO) plans largely come to mind—though higher cost, they dominate the market in terms of plan distribution and employee enrollment. But Consumer-Directed Health Plans (CDHPs) have made surprising gains. Despite slight cost increases, CDHP costs are still below average and prevalence and enrollment in these plans continues to grow in most regions—a main reason why it was one of the top 7 survey trends recently announced.

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Topics: health plan benchmarking, CDHPs, UBA Health Plan Survey, group benefit plans, consumer-directed health plan

Climate Leave: PTO for when the Wind Blows

Posted by: Bill Olson    Nov 30, 2017 9:30:00 AM

This year, much of the United States had some form of major natural disaster—hurricanes, wildfires, floods, tornados—and millions of people were either directly affected, or had a family member or close friend who was affected. This life-changing disruption often meant that people couldn’t, or weren’t able to, go to work. While many companies were understanding and granted people the time they needed to take care of their issues, only a handful of those businesses kept paying their employees. Even worse, some businesses insisted that their employees report for work or risk termination.

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Topics: absence management, fringe benefits, personal time off, PTO

UBA Survey: Weary Families Get a Break While Singles See Out-of-Pocket Cost Increases

Posted by: Bill Olson    Nov 21, 2017 9:47:00 AM

While the rate impact of the regulatory environment plays out, one thing is clear from the 2017 UBA Health Plan Survey: employers continue to shift a greater share of expenses to employees through out-of-pocket cost increases. While this is just one of 7 mega trends uncovered in the survey, it is particularly interesting this year because singles were hit more heavily than families as compared to years past.

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Topics: UBA Health Plan Survey, health care trends, health care deductibles, out-of-pocket costs

Build It and They Will Come? Group Health Plan Prevalence Doesn’t Always Drive Enrollment (Well, Except in CA)

Posted by: Bill Olson    Nov 9, 2017 2:32:41 PM

Though more expensive, PPOs still dominate the market overall in terms of plan distribution and employee enrollment. However, when you look regionally, PPO plans are most prevalent in the Central U.S., while CDHPs are most prevalent in the Northeast.

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Topics: health plan benchmarking, UBA Health Plan Survey

PPOs Dominate Despite Savings with HMOs and CDHPs

Posted by: Bill Olson    Nov 7, 2017 9:30:00 AM

The findings of our 2017 Health Plan Survey show a continuation of steady trends and some surprises. It’s no surprise, however, that costs continue to rise. The average annual health plan cost per employee for all plan types is $9,934, an increase from 2016, when the average cost was $9,727. There are significant cost differences when you look at the data by plan type.

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Topics: PPO, health plan cost trends, UBA Health Plan Survey, preferred provider organization

Top 7 Trends from 2017 UBA Health Plan Survey

Posted by: Bill Olson    Nov 2, 2017 9:30:00 AM

We recently unveiled the latest findings from our 2017 Health Plan Survey. With data on 20,099 health plans sponsored by 11,221 employers, the UBA survey is nearly three times larger than the next two of the nation’s largest health plan benchmarking surveys combined. Here are the top trends at a glance.

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Topics: health plan benchmarking, UBA Health Plan Survey Executive Summary, independent employee benefits advisors, health care cost containment

Small Businesses Healthcare Competitive, But Faces Two Big Challenges

Posted by: Bill Olson    Aug 31, 2017 9:30:00 AM

We recently revealed how competitive small business health plans are when compared to national averages—and even how they are doing a better job of containing costs. But the UBA Health Plan Survey also uncovers two challenges these groups face in its new special report: “Small Businesses Keeping Pace with Nationwide Health Trends”.

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Topics: UBA Health Plan Survey, health care cost containment, employee benefit trends, small business healthcare

Survey: Small Businesses Keeping Pace with Health Benefits Offered by Employers Nationwide

Posted by: Bill Olson    Aug 24, 2017 9:30:00 AM

Small employers, those with fewer than 100 employees, have a reputation for not offering health insurance benefits that are competitive with larger employers, but new survey data from UBA’s Health Plan Survey reveals they are keeping pace with the average employer and, in fact, doing a better job of containing costs.

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Topics: group health insurance, small business, UBA Health Plan Survey, health care cost containment, employee benefit trends

Government and Education Employers Offer Richest HSA Plans

Posted by: Bill Olson    Jul 27, 2017 9:30:00 AM

Across most industries, HSA contributions are, for the most part, down or unchanged from three years ago, according to UBA’s Health Plan Survey. The average employer contribution to an HSA is $474 for a single employee (down 3.5 percent from 2015 and 17.6 percent from five years ago) and $801 for a family (down 9.2 percent from last year and 13.7 percent from five years ago). Government and education employers are the only industries with average single contributions well above average and on the rise.

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Topics: health savings accounts, UBA Health Plan Survey, HSAs, employer-sponsored health insurance, health care benchmarking

Small Employers Lead the Way in Funding HSAs

Posted by: Bill Olson    Jun 15, 2017 9:30:00 AM

The average employer contribution to an HSA is $474 for a single employee (down 3.5 percent from 2015 and 17.6 percent from five years ago) and $801 for a family (down 9.2 percent from last year and 13.7 percent from five years ago). There was a 26 percent increase in the number of individuals enrolled in HSAs, likely due to the increase in CDHP enrollment (which often have HSAs tied to them). Since 2013, there has been a 97.7 percent increase in enrollment, showing significant employer and employee interest in these plans over time.

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Topics: health plan benchmarking, employee benefits, health savings accounts, UBA Health Plan Survey, HSAs