United Benefit Advisors Insight and Analysis Blog

UBA Survey: Grandmothering Protects Many Small Employers from Rate Increases

Posted by: Mary Drueke-Collins, FSA    Nov 10, 2016 10:30:00 AM

One goal of the Affordable Care Act (ACA) was to develop uniformity in coverage to ensure that all medical coverage included certain services. However, two interim regulations were passed, essentially allowing individuals and employers to keep their plans that were not completely ACA-compliant. Those regulations were termed “grandfathering” and “grandmothering.” Grandfathering was available to all employers that wanted to keep the plans they had in place prior to the passage of the ACA. For a plan to maintain grandfathered status, there were significant restrictions to plan design modifications and changes to employee contributions. The reality was that very few employers were able to maintain grandfathered status. In the 2016 UBA Health Plan Survey, only 5.9 percent of plans were still grandfathered.

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Topics: grandmothering, Affordable Care Act, health insurance cost, ACA, PPACA, transition relief, UBA Health Plan Survey, Mary Drueke-Collins

Top Five Best and Worst States for Group Health Plans

Posted by: Matt Weimer    Apr 8, 2016 12:00:00 PM

Top 5Health insurance premium renewal rates increased an average of 6.2 percent for all plans in 2015, up from the previous year’s 5.6 percent increase, according to UBA’s Health Plan Survey. Small businesses with fewer than 25 employees, which account for five million U.S. employers, were hit the hardest—see our breaking news with the details.

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Topics: health plan benchmarking, group health insurance, Group health plans, health plan cost trends, UBA Health Plan Survey, health insurance cost

Cadillac Tax – Should employers be making changes now?

Posted by: Elizabeth Kay    Dec 10, 2015 12:00:00 PM

The Affordable Care Act (ACA) has brought about many changes in employee benefits. Plans have been eliminated, benefits added, rules changed, and rules have been delayed.

The ACA has always been a heavily debated topic between the Republicans and Democrats, and now that we are coming up to another presidential election we know that we can expect it to be talked about quite a lot.

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Topics: ACA, PPACA, Cadillac Tax, UBA Health Plan Survey, play or pay requirements, health insurance cost

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