United Benefit Advisors Insight and Analysis Blog

Template Letter to Employees about IRS Forms 1095-B and 1095-C

Posted by: Danielle Capilla    Dec 8, 2015 12:00:00 PM

UBA has created a template letter that employers may use to draft written communication to employees regarding what to expect in relation to IRS Forms 1095-B and 1095-C, and what employees should do with a form or forms they receive. The template is meant to be adjustable for each employer, and further information could be added if it is pertinent to the employer or its workforce.

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Topics: employee communication, IRS Form 1095, minimum essential coverage, Danielle Capilla, minimum value coverage

Who’s Walking and Who’s Just Talking?

Posted by: Bill Olson    Feb 24, 2014 9:41:00 AM

There is a lot of talk about the many cost-control and health care reform tactics available to employers, but what are companies actually implementing? The latest UBA Benefit Opinions Survey aims to define just that. While clients and prospects of UBA’s Partner Firms have contributed thousands of responses to the survey, any employer can participate and get a complimentary findings report. This landmark benchmarking resource compiles information from employers representing all major industry classifications, employee size categories and regions of the country, and delineates employers’ opinions in five key areas:

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Topics: employee communication, ACA, employee benefits, PPACA, leadership, UBA Benefit Opinion Survey, benefit communication, benefit consultants, benefit management, compliance with health care reform

Insurers Given Permission to Renew Policies That Don't Meet PPACA Requirements

Posted by: Linda Rowings    Nov 21, 2013 2:54:00 PM

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Topics: employee communication, health insurance, ACA, health marketplace, employee benefits, health care reform, health care, PPACA

Explaining Health Care Reform to Your Employees

Posted by: Peter Freska    Oct 30, 2013 10:06:00 AM

Peter Freska, CEBS
Benefits Advisor
The LBL Group, A UBA Partner Firm

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Topics: employee communication, ACA, hr consulting, health care reform, PPACA, UBA Partner Firms

What's My State Doing with Exchanges and Medicaid?

Posted by: Bill Olson    Oct 15, 2013 12:16:00 PM

States have two major decisions to make with respect to the Patient Protection and Affordable Care Act (PPACA) – whether they will run the health exchange themselves, and whether they will expand Medicaid to cover most individuals whose income is below 133 percent of the federal poverty level.

Do you know where your state stands, and what your options are? If not, read on…

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Topics: employee communication, health insurance exchanges, ACA, UBA, hr consulting, health care reform, PPACA, Medicaid

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

To Issue the Exchange Notice or Not To? That Is the Question.

Posted by: Linda Rowings    Sep 24, 2013 10:12:00 AM

By Linda Rowings
Chief Compliance Officer
United Benefit Advisors

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Topics: employee communication, health insurance exchanges, UBA, employee benefits, hr consulting, health care

Brushing Up On Your Employee Benefits Communication Skills

Posted by: Bill Olson    Sep 6, 2013 12:17:00 PM

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Topics: HR webinars, employee communication, UBA, employee benefits, hr consulting, health care

Help Your Employees Understand the Individual Mandate

Posted by: Bill Olson    Aug 15, 2013 1:00:00 PM

With all of the Patient Protection and Affordable Care Act (PPACA) regulations, the last thing employers want to do is worry about requirements that don’t apply.  One particular regulation that doesn’t necessarily concern employers is the individual responsibility requirement (also know as the individual mandate). 

And although the employer shared responsibility requirements have been delayed to 2015, the individual responsibility requirement is still scheduled to take effect in 2014. Under the individual mandate, most people residing in the U.S. will be required to have minimum essential coverage, or they will have to pay a penalty. Many individuals will be eligible for financial assistance, through premium tax credits (also known as premium subsidies), to help them purchase coverage if they buy coverage through the health insurance marketplace (also known as the exchange). 

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Topics: employee communication, health insurance, UBA, employee benefits, health care reform

Five Ways to Get Employees Engaged

Posted by: Holly Parsons    Jun 25, 2013 2:13:00 PM

By Holly Parsons
The Wilson Agency, A UBA Partner Firm

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Topics: employee engagement, employee communication, UBA, hr consulting