United Benefit Advisors Insight and Analysis Blog

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

DOL Announces Non-Enforcement of Marketplace/Exchange Notice

Posted by: Linda Rowings    Sep 13, 2013 10:59:00 AM

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Topics: health care costs, health insurance, health insurance exchanges, UBA, employee benefits, hr consulting, health care reform, HR compliance

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

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

Health Care Reform and the Balloonist

Posted by: Mick Constantinou    Aug 23, 2013 12:04:00 PM

By Mick Constantinou, Advisor, Employee Benefits
Connelly, Carlisle, Fields, & Nichols, A UBA Partner Firm

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Topics: UBA, employee benefits, health care reform, change management, leadership

Happy and Well: Employee Wellness Under Obamacare

Posted by: Bill Olson    Aug 21, 2013 4:00:00 PM

A recent article in Human Resource Executive Online shared a startling statistic: It takes about 16 years to realize a positive return-on-investment on employer-sponsored wellness programs. That’s a long time, and more importantly makes you wonder why we implement wellness programs at all? According to this article, it’s not so much about the health care dollars you gain back for your business with wellness programs, but more about how these initiatives can transform your company culture for the better.

Here’s a quick article excerpt:

“Edington believes wellness programs can't save enough in healthcare costs to make a difference – ‘maybe $200 to $300, at best’ – but he thinks a wellness program can create shareholder value.

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Topics: employee engagement, HR webinars, wellness, employee wellness, UBA, employee benefits

Happy and Well: Employee Wellness Under Obamacare

Posted by: Bill Olson    Aug 21, 2013 2:20:00 PM

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Topics: employee engagement, HR webinars, wellness, employee wellness, UBA, employee benefits

The Real Story on Out-of-Pocket Maximums

Posted by: Linda Rowings    Aug 19, 2013 10:40:00 AM

By Linda Rowings
Chief Compliance Officer
United Benefit Advisors

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Topics: UBA, health care reform, PPACA, HR compliance

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

UBA News in the News

Posted by: Bill Olson    Aug 8, 2013 3:21:00 PM

As the complexities of the Patient Protection and Affordable Care Act (PPACA) continue to challenge business owners and HR professionals, UBA continues to lead the industry by sharing proprietary research and analysis, often utilized by journalists and media outlets looking to help employers and consumers navigate the increasingly complex world of insurance benefits.

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Topics: UBA, employee benefits, health care reform, PPACA, Thomas Mangan