United Benefit Advisors Insight and Analysis Blog

Josie Martinez

Senior Partner and General Counsel at EBS Capstone
a UBA Partner Firm

Recent Posts

Taxing Wellness Incentives

Posted by: Josie Martinez    Oct 8, 2013 2:00:00 PM

By Josie Martinez, Senior Partner and Legal Counsel
EBS Capstone, A UBA Partner Firm 

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Topics: wellness, ACA, employee wellness, wellness incentives, UBA, health care reform, PPACA

ACA Driving Self-Funding to the Smaller Market

Posted by: Josie Martinez    Sep 20, 2013 10:38:00 AM

By Josie Martinez, Senior Partner and Legal Counsel
EBS Capstone, A UBA Partner Firm

Many U.S. employers offer self-funded insurance plans, with most of them purchasing stop-loss coverage from insurance providers.  Historically, most of these companies have been large employers.  However, given the fact that self-funded companies could avoid many PPACA regulations, more companies, particularly those will less than 100 employees, are considering this alternative strategy.  Popularity for self-funding comes at a time when employers, both small and large, are looking for more flexibility and lower costs while at the same time maintaining control in the design and financing of employee benefits.  To further this cause, carriers are now providing more self-funding options for smaller groups in an effort to satisfy employers’ interests and provide their clients with creative solutions to control and lower costs.   

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Topics: health care costs, health insurance, employee benefits, hr consulting, health care reform, PPACA, self-funding

Delay in Out-of-Pocket Caps - Will It Hurt?

Posted by: Josie Martinez    Sep 11, 2013 1:48:00 PM

By Josie Martinez, Senior Partner and Legal Counsel
EBS Capstone, A UBA Partner Firm 

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Topics: health care costs, health insurance, health insurance premiums, UBA, employee benefits, hr consulting, health care reform, health care, UBA Partner Firms, out-of-pocket caps

An Uptick in Obesity Disability Claims

Posted by: Josie Martinez    Aug 26, 2013 9:41:00 AM

By Josie Martinez, Senior Partner and Legal Counsel
EBS Capstone, A UBA Partner Firm

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Topics: wellness, employee wellness, disability management, employee benefits, health care

Employer Mandate Delayed But Not Going Away…

Posted by: Josie Martinez    Jul 16, 2013 12:50:00 PM

By Josie Martinez, Senior Partner and Legal Counsel
EBS Capstone, A UBA Partner Firm

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Topics: compliance, UBA, health care reform, health care, PPACA, HR compliance

Skinny Plans: A Viable Option for Some Large Employers?

Posted by: Josie Martinez    May 31, 2013 10:51:00 AM

By Josie Martinez, Senior Partner and Legal Counsel
EBS Capstone, A UBA Partner Firm 

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Topics: employee benefits, hr consulting, health care reform, PPACA, HR compliance, tax credits

New PPACA Fees Will Strike Employers

Posted by: Josie Martinez    Mar 1, 2013 12:31:00 PM

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Topics: employee benefits, hr consulting, health care reform, health care, PPACA

Payroll Tax Issues Remain in Limbo with Many Due to Sunset

Posted by: Josie Martinez    Dec 14, 2012 11:03:00 AM

By Josie Martinez, Senior Partner and Legal Counsel 
EBS Capstone, A UBA Partner Firm

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Topics: employee benefits, payroll tax provisions