United Benefit Advisors Insight and Analysis Blog

Court Remands Wellness Regulations to EEOC for Reconsideration

Posted by: Danielle Capilla    Sep 21, 2017 9:30:00 AM

On August 22, 2017, the United States District Court for the District of Columbia held that the U.S. Equal Employment Opportunity Commission (EEOC) failed to provide a reasoned explanation for its decision to adopt 30 percent incentive levels for employer-sponsored wellness programs under both the Americans with Disabilities Act (ADA) rules and Genetic Information Nondiscrimination Act (GINA) rules.

The court declined to vacate the EEOC's rules because of the significant disruptive effect it would have. However, the court remanded the rules to the EEOC for reconsideration.

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Topics: wellness, wellness incentives, UBA Health Plan Survey, employee benefit trends

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

Why some companies offer an HRA

Posted by: Elizabeth Kay    May 18, 2017 9:30:00 AM

In a world of insurance and acronyms, the term “HRA” is thrown around a lot, but it has a variety of meanings.

HRA can mean health reimbursement account, heath reimbursement arrangement, or health risk assessment, and all of those mean something different. I want to be clear that in the following article I am going to be discussing the use of health reimbursement accounts with fully-insured health plans. We can leave the other meanings of HRA for another time.

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Topics: health reimbursement account, HRA, UBA Health Plan Survey, employee benefit trends

2016 Health Plan Survey: Topline Trends at a Glance

Posted by: Jason Reeves    Nov 1, 2016 10:30:00 AM

The 2016 UBA Health Plan Survey contains the validated responses of 19,557 health plans and 11,524 employers, who cumulatively employ over two and a half million employees and insure more than five million total lives. Our data reflects the experiences of 99% of U.S. businesses in rough proportion to their actual prevalence, not just the largest employers who are often the sole focus in other surveys. As a result, our findings are extensive, so we’ve compiled a topline list of the biggest trends below.

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Topics: ACA, PPACA, UBA Health Plan Survey, health care cost containment, Jason Reeves, employee benefit trends, health cost shifting