United Benefit Advisors Insight and Analysis Blog

Mick Constantinou

Employee Benefits Advisor at HUB International

Recent Posts

I'm Proceeding with Exchange Notices, but How Do I Complete the Form?

Posted by: Mick Constantinou    Oct 1, 2013 3:19:00 PM

By Mick Constantinou, Advisor, Employee Benefits
Connelly, Carlisle, Fields, & Nichols, A UBA Partner Firm

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Topics: PPACA, health care reform, health insurance exchanges, hr consulting, employee communication, UBA, HR compliance

Health Care Reform and the Balloonist

Posted by: Mick Constantinou    Aug 23, 2013 12:04:00 PM

By Mick Constantinou, Advisor, Employee Benefits
Connelly, Carlisle, Fields, & Nichols, A UBA Partner Firm

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Topics: health care reform, employee benefits, leadership, UBA, change management

Smoking Attestation is on the Honor System, Like Income Reporting

Posted by: Mick Constantinou    Aug 1, 2013 12:16:00 PM

By Mick Constantinou, Advisor, Employee Benefits
Connelly, Carlisle, Fields, & Nichols, A UBA Partner Firm

Provisions under the Affordable Care Act allow health insurers to charge smokers 50 percent higher premiums than nonsmokers for new individual policies sold beginning in 2014.  The question now is whether the final ruling on the tobacco surcharge will have the teeth necessary to promote healthier lifestyles.

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Topics: health care reform, health care, health insurance exchanges, health care costs, health insurance, wellness, UBA

A Lesson from Hamlet on Small Group Early Renewals

Posted by: Mick Constantinou    Jun 11, 2013 2:13:00 PM

By Mick Constantinou, Advisor, Employee Benefits
Connelly, Carlisle, Fields, & Nichols, A UBA Partner Firm

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Topics: health care reform, employee benefits, health care, hr consulting, UBA, health insurance premiums

The Tomato Paradox Part 2: What’s Left on the Vine

Posted by: Mick Constantinou    May 21, 2013 10:35:00 AM

By Mick Constantinou, Advisor, Employee Benefits
Connelly, Carlisle, Fields, & Nichols, A UBA Partner Firm

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

The Tomato Paradox of Health Care Reform

Posted by: Mick Constantinou    Apr 26, 2013 11:01:00 AM

By Mick Constantinou, Advisor, Employee Benefits
Connelly, Carlisle, Fields, & Nichols, A UBA Partner Firm

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

Is Your HRIS Platform Ready for Health Care Reform?

Posted by: Mick Constantinou    Mar 12, 2013 10:39:00 AM

By Mick Constantinou, Advisor, Employee Benefits
Connelly, Carlisle, Fields, & Nichols, A UBA Partner Firm

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Health Care Reform and the Benefits Renewal Process

Posted by: Mick Constantinou    Feb 5, 2013 2:49:00 PM

By Mick Constantinou, Advisor, Employee Benefits
Connelly, Carlisle, Fields, & Nichols, A UBA Partner Firm

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

"Insurance Sales People": Wheat or Chaff?

Posted by: Mick Constantinou    Jan 4, 2013 9:27:00 AM

By Mick Constantinou, Advisor, Employee Benefits
Connelly, Carlisle, Fields, & Nichols, A UBA Partner Firm

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Topics: PPACA, health care reform, employee benefits, health care costs, ethics