Small businesses are relentlessly efficient and public charter schools take efficiency to an even higher level. Therefore, when assisting a small business with their employee benefits, creativity is key, especially when it comes to one of the biggest ticket employee benefit expenses; health insurance. As Pine Forest Charter School has learned, exploring all options can lead to rewards. One strategy that is not frequently explored or implemented is partially self-funded health … [Read more...] about Creative Health Insurance Plan Proving Beneficial To Local Charter School
Ed Gussio
The Affordable Care Act: A Look Back at the Impact of the Law
On March 23, 2010, President Obama signed into law the Affordable Care Act (ACA), and since then, nearly every aspect of health insurance has changed. Some of the changes have been very positive; others have not. I thought this would be a good time to evaluate those changes, both positive and negative. It is important to note that this is not political statement of support or criticism of the law. I have been helping businesses and individuals with health insurance for more than 20 years. The … [Read more...] about The Affordable Care Act: A Look Back at the Impact of the Law
Preparing for Annual Enrollment-Group, Medicare, Individual Plans
While many people think of fall as the beginning of school, preparation for the upcoming holiday season or even ski season, those of us in the insurance business see this time of the year as the beginning of enrollment season. A large percentage of employers have typically renewed their group benefits in January. This is nothing new. However, when you add in those who are over age 65 and the ACA Marketplace plans, the fourth quarter is quite busy for insurance companies. I hope the following … [Read more...] about Preparing for Annual Enrollment-Group, Medicare, Individual Plans
Affordable Care Act: An Update from a Local Perspective
Now that the Supreme Court has upheld the latest challenge to the Affordable Care Act (ACA), what does this mean for you and your business? Arizona is one of 37 states that chose not to operate its own insurance marketplace. The recent ruling would have had dramatic consequences, had the court ruled that subsidies are only available through state-based marketplaces. As it turned out, it is business as usual for the 6.4 million Americans who receive subsidies to help pay for their health … [Read more...] about Affordable Care Act: An Update from a Local Perspective