United Benefit Advisors Insight and Analysis Blog

UBA's Most Popular Tools to Alleviate PPACA Stress

Posted by: Bill Olson    Jan 17, 2014 10:07:00 AM

To alleviate PPACA compliance anxiety, employers need resources that clearly explain which provisions affect them so they can make the best decisions. The following four guides will help you get started: 

1. Confused About What PPACA Changes To Make When? This compliance timeline helps employers prepare for key milestones related to: 

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

Public Employees Feel Less Pinch from PPACA

Posted by: Thomas Mangan    Dec 23, 2013 12:28:00 PM

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Topics: health care costs, ACA, health insurance premiums, UBA 2013 Health Plan Survey, health care reform, health care, PPACA, Thomas Mangan

Leadership is Leading the Way

Posted by: Bill Olson    Dec 20, 2013 11:53:00 AM

“Complaining is not a strategy.”-- Jeff Bezos, Founder and Chief Executive Officer, Amazon.com

It’s no secret that the insurance benefits industry is rapidly changing, probably at the fastest rate in its history. United Benefit Advisor’s Chief Executive Officer, Thom Mangan, has been outspoken about the fact that advisors who don’t keep up with the changing benefits industry will quickly get left behind. Mangan is often recognized for his drive to stay one step ahead of the game and was recently honored with the CEO Leadership Award from the Institute of HealthCare Consumerism (IHCC) as a result of his leadership in this area. In this brief interview with the IHCC, he shares his thoughts on the future.

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Topics: health care costs, health insurance, ACA, UBA, employee benefits, health care reform, health care, Thomas Mangan

Private Exchange vs. Traditional Large Employer Coverage

Posted by: Reina O'Beck    Dec 9, 2013 3:04:00 PM

Many large, traditionally-insured employers are watching companies like IBM, Walgreens, TimeWarner, Sears, Aramark, Ingram Micro and Trader Joes move to private exchanges. And like most employers, they are asking themselves: 

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Topics: health care costs, health insurance exchanges, ACA, health marketplace, health care reform, PPACA, actuarial value

Why? Because!

Posted by: Bill Olson    Dec 6, 2013 12:58:00 PM

Like the classic child question, "Why?" and the time-tested parent response, "Because!" there are some things in benefits that we as HR professionals just need to know even if they are not that remarkable. It's just good for us. Like eating vegetables. This is true for the annual cost of living adjustments. Many employee benefit limits are automatically adjusted each year for inflation (this is often referred to as an "indexed" limit). The Internal Revenue Service and the Social Security Administration have released the indexed figures for 2014. Because inflation is relatively low and some amounts are adjusted only if the increase meets a minimum, many amounts are unchanged for 2014.  Limits of particular interest include the following.

For health and Section 125 plans:

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Topics: health care costs, health insurance, employee benefits, health care, employee benefit limits, health plans

If PPACA Were the Joneses, “Keeping Up” Would Be Hard to Do

Posted by: Bill Olson    Dec 3, 2013 4:23:00 PM

Delay, delay, delay … Error, delay, repeal. That seems to be the trend with health care reform, but it doesn’t mean employers are exempt from compliance in 2015 or the requirements that remain in effect for 2014 under the Patient Protection and Affordable Care Act (PPACA). 

Under PPACA, employers still have varying degrees of responsibility, based on number of employees, for providing health coverage that is both affordable and offers a minimum standard of coverage. 

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Topics: HR webinars, health care costs, health insurance, health insurance exchanges, ACA, employee benefits, health care reform, PPACA

How Voluntary Benefits Are Rising to the Top

Posted by: Bill Olson    Nov 18, 2013 2:12:00 PM

Health care reform and the shift towards a defined-benefits model have moved voluntary benefits from the fringes of corporate benefit plans into the spotlight. Skyrocketing costs and ballooning compliance duties have pushed more employers to a tipping point, and companies are slashing or eliminating their medical plans. Those shrinking benefits, though, can crush a company’s ability to recruit and retain a top-notch workforce. To remain competitive, many employers are turning to ancillary (voluntary) products as a way to lighten the impact of reduced health care coverage and to broaden the overall appeal of their compensation package.

Policies like flextime, corporate and social responsibility charters and voluntary benefits may become the cornerstones of your recruitment and retention strategy. In fact, United Benefit Advisors predicts, based on results from the 2013 Ancillary Products Survey, these policies will be a greater differentiator in 2014 than ever before.

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Topics: ancillary benefits, health care costs, ACA, voluntary benefits, employee benefits, health care reform, health care

Today’s Top 5 Health Insurance Options for Small Group Employers

Posted by: Josie Martinez    Nov 8, 2013 1:09:00 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 exchanges, ACA, health marketplace, employee benefits, health care, PPACA, small group employers

The New FSA Carryover Rule…Pros and Cons…

Posted by: Josie Martinez    Nov 5, 2013 10:36:00 AM

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Topics: health care costs, UBA Partner Firm, UBA, hr consulting, health care, FSA, Health FSA

COBRA POST-PPACA

Posted by: Linda Rowings    Oct 11, 2013 10:38:00 AM

By Linda Rowings
Chief Compliance Officer
United Benefit Advisors

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Topics: health care costs, health insurance, UBA, employee benefits, health care reform, health care, PPACA, COBRA