United Benefit Advisors Insight and Analysis Blog

Post-PACE, UBA Conducts State-By-State Survey of Small Group Definitions

Posted by: Bill Olson    Feb 18, 2016 12:00:00 PM

Group of peopleThe newly enacted PACE Act offered significant relief to employers with 51 to 99 employees who, under the Patient Protection and Affordable Care Act (ACA), would otherwise have been subject to community rating.

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Topics: ACA, PPACA, community rating, Danielle Capilla, Affordable Care Act, PACE Act, small group insurance market, small group definition

Small Businesses No Longer Going for the Gold in Medical Insurance

Posted by: Carol Taylor    Dec 17, 2015 12:00:00 PM

Small employers are feeling the squeeze from increasing costs of medical care and increasing premiums for the medical insurance they offer their employees. Recently released findings from the 2015 UBA Health Plan Survey show that 54 percent of small employers are currently offering gold or platinum plans to their employees. However, with the pressure from rising medical care costs, the introduction of community rating in setting insurance rates, and the end of grandmothering, it is highly unlikely that this trend will continue.

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Topics: health care costs, ACA, health care reform, Carol Taylor, community rating, UBA Health Plan Survey, Affordable Care Act, metal level benefits

Growing Pains: Why Adolescence Is About To Get That Much Harder

Posted by: Elizabeth Kay    Mar 19, 2015 12:00:00 PM

Employers that are growing up, and are in the awkward teenage years, are about to get a big surprise, and not the good kind.

When a company first opens, they are excited when they first implement their benefit plans for their handful of employees. They offer one or two medical plans, perhaps some dental and vision, and a small life insurance policy. The company knows that the small group rates will be high, but not much can be done, so they live with it. The rates are based on the employee’s age and where the company is located. They rely on their broker to show them the different options and help them offer plans with the best value to their employees.

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Topics: ACA, employee benefits, COBRA, community rating, composite rating