United Benefit Advisors Insight and Analysis Blog

The COBRA Payment Process

Posted by: Danielle Capilla    Aug 23, 2017 9:30:00 AM

The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) allows qualified beneficiaries who lose health benefits due to a qualifying event to continue group health benefits. The COBRA payment process is subject to various rules in terms of grace periods, notification, premium payment methods, and treatment of insignificant shortfalls.

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Topics: health insurance premiums, COBRA, group health insurance, Consolidated Omnibus Budget Reconciliation Act, qualified beneficiary

Determining COBRA Premiums for Fully Insured and Self-Funded Health Plans

Posted by: Danielle Capilla    Aug 1, 2017 1:04:34 PM

The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) allows qualified beneficiaries who lose health benefits due to a qualifying event to continue group health benefits. While some group health plans may provide COBRA continuation coverage at a reduced rate or at no cost, most qualified beneficiaries must pay the full COBRA premium. The COBRA election notice should include information about COBRA premiums.

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Topics: health insurance premiums, COBRA, fully insured health plans, COBRA continuation coverage

How to Benchmark Your Health Plan

Posted by: Bill Olson    Jan 19, 2016 12:00:00 PM

Are you benchmarking your health plan correctly? If you are using data from your carrier or a small study of only large employers, chances are you are not effectively analyzing your rates. To truly benchmark your plan, you need to compare your plan to others in your state, industry, and size category.

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Topics: health insurance premiums, health plan benchmarking, Group health plans, UBA Health Plan Survey

2015 UBA Health Plan Survey: Preliminary Findings Are Out!

Posted by: Bill Olson    Sep 18, 2015 12:00:00 PM

UBA’s annual Health Plan Survey, the largest of its kind, provides data on 10,804 employers sponsoring 18,186 health plans. While the full findings will be released soon, preliminary data on average health plan costs, premiums, and contributions is now available.

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Topics: health insurance premiums, UBA Health Plan Survey, health plan costs, health insurance cost

Amazon-ize Benefits, Control “Leakage” and Heal “Over Insured Syndrome”

Posted by: Bill Olson    Mar 10, 2014 11:42:00 AM

If you are a mid-size employer (50-5,000 employees), you are likely considering a private exchange to affordably handle your benefits complexity (eligibility management, payroll deduction, billing and reconciliation, enrollment and claims issues, defined contribution automation, etc.) while reaping the benefits of cost certainty from a defined contribution model. Indeed, beyond the many advantages of private exchanges, they are particularly appealing to those who can’t afford high reliability organization (HRO), human resource information services (HRIS), Benefits Administration outsourcing and other similar services, since these services are all built in.  However, you may not know about three other advantages of private exchanges

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Topics: health insurance exchanges, private insurance exchange, health marketplace, health insurance premiums, employee wellness, benefit communication, benefit consultants, benefit management, compliance with health care reform, employee health, group health insurance, healthcare consumerism, health plan compliance, health reimbursement account, insurance solutions, medical plan, self funded health plans, HRA administration

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

How Health Benefits Differ Across the Country

Posted by: Thomas Mangan    Oct 25, 2013 11:31:00 AM

By Thomas Mangan
CEO, United Benefit Advisors 

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Topics: health insurance, health insurance premiums, health plan benchmarking, UBA, employee benefits, hr consulting, health care, Thomas Mangan

Delay in Out-of-Pocket Caps - Will It Hurt?

Posted by: Josie Martinez    Sep 11, 2013 1:48:00 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 premiums, UBA, employee benefits, hr consulting, health care reform, health care, UBA Partner Firms, out-of-pocket caps

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