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health plans individuals are now more accessible and affordable. As such, it is increasingly common for small business owners, their families and their employees to be covered by an individual health plan. Under the new health reform rules ( "Obamacare"), however, there are limited windows when you can buy a blanket guarantee-issue.

In this article we answer the frequently asked question, "When can I buy an individual health plan?"

Recently, Zane Benefits attended Dreamforce 2015 . With over 150,000 registered, we attended a week of sessions and keynotes, bringing relevant conclusions that will increase the return on investment across the board for our company.

What any business needs to succeed? The answer is simple :. They need good employees and the ability to attract reliable quality staff and high

If you are a small business owner, you're accustomed to fielding requests from employees - paid leave, equipment breaking rooms, equipment purchases, and so on. the quality of employees can make a big difference for small business and deserve to be rewarded for their contributions. This is why many small business owners go beyond these requests every day to provide comprehensive benefits to their employees.

Under the Affordable Care Act (ACA), premium tax credits are available to help individuals and families buy insurance individual health through the health insurance market. You are eligible for a tax credit on premiums if you meet certain conditions of income and do not have access to affordable health insurance through an employer or government program such as Medicaid or Medicare. Tax credits for health insurance premium are "paying forward" which means they can be applied to your premium when you buy a health insurance coverage. Tax credit cards on the following premiums show the eligibility and the amount of tax credits, updated for 2016.

Small businesses that take an individual health insurance for their employees increasingly advertising . Both in new and in communities, the many benefits of a more personalized approach to health coverage are gaining popularity and giving small business owners a lot to think about.

Since the Affordable Care Act was enacted in 2010, individual health insurance is available through the health insurance market of government. People compare plans before choosing the type of coverage that is right for them and their families

This is a major challenge for small business owners: how to reduce the price of cover health care for their employers without reducing benefits. While companies with 50 staff or less technically should not offer coverage, many feel it is their responsibility to provide this key support for employees and their families.

Group health insurance is a reality for many companies large and small, but it is not always the "advantage" that companies would want it to be. Even the most popular plans of the group can sometimes below expectations, and there are several reasons why it might not be the right solution for your business or your employees.

Apparently, Mo 'Money Mo can actually mean' problems when it comes to employee raises.

A recent Glassdoor survey, nearly four in five (79 percent) of employees
prefer more benefits or advantages to a raise. The most favorite benefit is the health care insurance, followed by paid holidays / vacation (37 percent), performance bonuses (35 percent), paid sick days (32 percent) and 401 (k) plan / retirement plan / pension (31 percent).

Your employees are the most valuable asset in your organization. To attract and retain quality talent, you need to offer a range of competitive benefits. A benefits package that makes sense - and is affordable -. For your organization and employees

With this in mind, you may ask, "Can Employers still contribute to personal bonuses?"

There is no secret that the world of health insurance benefits is complex and always change. Learn how to calculate the employer shared responsibility requires fees this year to answer a few basic questions, but first let's take a look at what the provision amounts to.

Congratulations CREW Land & Water Trust to become a new Zane customer benefits! CREW Land & Water Trust educates the Southwest Florida community (SWFL) on the importance of preserving and protecting its largest watershed drinking water.

CREW says "Zane help our nonprofit to easily manage our health care coverage for our employees"

Under the health care law, there are Medicare requirements for employers all sizes. Failure to follow these requirements may result in costly fees. To help, this article provides a summary of the main requirements of health insurance for small businesses, with links to delve deeper.

Editor's Note: This article has been updated with the latest information of group health insurance costs. The article was published in September 2014.

As small research employers health insurance coverage options, it is common to evaluate different strategies and cost. So how much is the group health insurance? In 2015, Kaiser Family Foundation (KFF to) found the average premium for individual coverage was $ 521 per month, or $ 6,251 per year. The average premium for family coverage was $ 1,462 per month or $ 17.545 per year.

On November 18, 2015 the departments of Treasury, Labor and Health and Human services issued final rules regarding many of the affordable care Act "market reforms." Among the issues reforms, departments have highlighted the prohibition annual limit dollar (Public Health Service (section) PHS Act 2711) compared to repayment plans. This article breaks down the language in the notice and how it relates to Zane Benefits Solutions for reimbursement of individual health insurance.

As your small business insurance estimates disease, understanding cost is important entrance. The cost of health insurance depends on several factors such as the type of health insurance purchased (eg, group health insurance and individual health insurance), the carrier and plan selected, your location, and your age (or employee census). This article breaks down the average cost of health insurance by the state for two different small business approaches 1) individual health insurance with a defined contribution, and 2) the group health insurance.

benefits of employment are important component the employee retention. After all, a worker can appreciate loyalty, productivity and stronger business results.

Times are changing, however, and so are the expectations of employees. So what do employees value? And, what kind of employment benefits really work?

small business owners who offer health insurance - or that are considering offering health benefits - have an important question to consider: what kind of performance will be best for the company and employees

sense of traditional affairs said offer an insurance plan group health is the best way to go, but here's something to consider -. Cancellation (or do not provide) the group health insurance can be a boon for employees, and the results of your small business

If you follow the trends in the sectors of 'health insurance and health, the news is not always positive - the contribution rate increases, health care costs are soaring, and businesses make major decisions about the supply and coverage maintenance

But here's a silver lining -. a case study reported by Kaiser Health News (KHN) highlights successful payment reform Affordable Care Act. The case study shows how - at least in one case - education and incentivizing doctors to take a more holistic approach to medicine can have a significant impact

In the modern workplace, it is increasingly common for employees to JOB- hop. While this fact is true of the millennium, it is certainly not a quality that only impacts them just as workers of all ages value mobility more stability in the workplace. If you want to keep your workers (and not jump ship), you must know which employee retention strategies can work for you.

The May 13, 2016 Health and Human Services (HHS) issued a final decision on t section 1557 of the affordable care Act (ACA). This section describes non-discrimination in the selection group health plans. The new regulations describe modifications to the list of protections provided by law and will affect some companies that offer benefit plans to employee health. Although this decision will not affect all businesses, it is important to know the facts so that your group health plan remains in compliance

Employee retention is valuable for most employers but the statistics of 2016 Glassdoor highlight the importance of holding onto good employees. Recruitment of worthy workers is both lengthy and expensive. It is not as simple as posting an ad and interview candidates. Instead, like Glassdoor said, recruitment and retention of employees "starts from within." To get and keep the best, employers must focus on employee engagement a mission and clear transparency.

Employers are likely aware of the contributions they make to their employees employer benefits of the plan, but are they fully aware of the magnitude of the costs of group health insurance?

Building a successful business is hard work . Navigating Medicare small businesses, however, need not be.

Although each small business has its own unique goals and challenges in search of health insurance, the good news is that there are new opportunities for affordable health insurance. Wondering where to start? This guide is broken health insurance for small businesses bases for small business owners.

If you, your employees or your plan customers about registering for individual health insurance this year, you better act now. Indeed, the deadline for open enrollment 2015 is Sunday 15 February. But do not be tempted to wait until February 15 to start your application. Start today.

What should you know about registering for coverage over the last few days of open enrollment? Read on

companies are family run the engine of the economy of our country. In fact, did you know that 60 million people work for themselves or for small businesses with fewer than 100 employees in the United States? So it's safe to say your family business is an important part of our economy.

But did you also know that 46% of all small and medium enterprises (with less than 0 employees) does not propose to health insurance sponsored by traditional employer. This represents over 2.7 million employers. 56% of all micro employers (with fewer than 10 employees) do not offer health insurance sponsored by traditional employer. That's 2.6 million employers

And if you're one of the family businesses that believe health benefits are out of reach for your employees, here's good new:. They are not about to reach.

affordable, safe and reliable, benefits, health for your employees exist and can become a valuable part of your family business. In this article we'll talk about an affordable option for health benefits for your family business -. repayment of the premium

Whether you are at the grocery store and the cashier said "Hey, I have a coupon for you!" or you pump the gasoline and you get a free car wash with your tank, saving money will put a smile on your face. So why not find ways to save money for you and your employees, too, and share the smiles? This will help keep more money in both your pockets and your employees and the bank account of your small business.

So to keep more green, we rounded four employees benefits that you can incorporate into your small business .

the affordable care Act is in full effect. And, if you're like many small business owners or managers, you have done your homework. You understand the needs of your business under Obamacare and you finally have the feeling that you get. Do your employees feel the same way? Probably not.

small businesses are an important engine of the US economy. According to the Small Business Administration (SBA) there are over 28 million small businesses in the US, employing over 56 million workers. Of course, the number and health of small business varies by state. How the growth of small businesses in your state stack up?

You've heard the buzz. Healthy employees increase productivity. But is it true? Various surveys say yes. Here is a look at the statistics and 7 employee ideas into good small business health can incorporate to increase productivity.

as a comrade small business owner, I know what it's like to fire an employee - it can be quite scary and unpredictable. No matter how you slice it, the day will come when you have to tell someone that you end it. But with proper preparation, you can do this disturbing experience a little less overwhelming for you and your employee. And what better way is there to show how to make an employee of a fun, yet informative video?

That said, I found the perfect video produced by howcast.com that goes on the essentials to fire an employee . Take a look

HR solutions can help dental practices manage, monitor and analyze their human resources. However, there are a large number of human resources solutions available. How do you know that HR solution is right?

Last week I wrote an article featured on DentistryIQ describes five simple steps to assess HR solutions. Highlights of the recent Zane Benefits website feature article.

One of the best ways of thinking an employee training manual for your clinical vision is to compare your vision clinic for a class at school. Your students (employees) come to class (working) every day. They do their homework (regular tasks). But if your students do not have a text book to learn? It would be difficult to progress and learn.

The same can be said for your vision clinic. Your employee training manual is like a manual for your employees and they need one that is engaging, fun to read, and useful to be an outstanding employee. Which begs the question -. how do you do a training manual for effective employees for your clinical vision In this article, we will cover 7 steps to start

Let's cut straight to the chase here, writing job descriptions is usually a kind of last-minute thing, is not it? You are busy attending various tasks of the day and realize that you need to post a position for your business, so you write something quickly and displayed on Indeed.com, Monster.com, or a plethora of other sites. But, have you ever wondered if there was an effective way to write a job description that will lead to better retention ?

Better yet, have you ever wished for a job description template with which you can easily fill and keep your busy day and still an effective way to attract candidates qualified? You're not alone. Most small business owners prefer time-saving templates, tips, and techniques. So to help make your time more efficient and effective recruitment, we designed a model of rapid job description, but extremely convincing.

The appeal of the Affordable Care Act of Health Insurance markets is to keep insurance affordable by spreading risk across a large pool of diverse individuals. This means that young healthy adults must register in order to offset insurance costs for older and sicker participants. Other ACA EMPLOYEES strategies to keep premiums low is the use of tax credits on premiums and maintaining the individual mandate.

The "market" is an online market that the Affordable Care Act (ACA) created for Americans to buy health insurance. By law, insurers in the markets must offer coverage to all eligible buyers.

as the owner of dental , you usually change. The new and innovative technology used in the industry to expand your staff, you're practically a pro to adapt when there is a need. Regarding the transition to individual health insurance, however, you may be wondering the best way to do this for you and your employees can feel at ease.

Last week I wrote an article featured on DentistryIQ on how dental practices can pass individual health insurance. Highlights of the recent Zane Benefits blog function.

a frequently asked question by employers setting up a formal plan premium reimbursement is, "does the premium payment plan should cover all ten essential health benefits?" the answer? See

When your company offers a group health plan, there are several notices you are required to provide participants about their health benefits. Keep track of required notice requirements can be tedious and time consuming, especially with the new Obamacare requirements, particularly for small and medium size employers. However, non-compliance may result in fees and penalties.

To assist in properly administering your health benefits and remain consistent this year, here is a checklist with 11 reviews key health plan required under ERISA, HIPAA, COBRA and PPACA

When it is time to hire for your small business , you go through the motions. You post the position, start talking to everyone to find qualified candidates and interview a handful of people you can only hope to become your next outstanding employee. But have you ever stopped for a moment and think to yourself, "What candidates want from me?" Rather than "What I want the candidates?" It is a question that takes a lot of effort to understand, but produces amazing results. So let's talk about your HR tip for the day and go through five things applicants wish you'd understand.

Take a pen and paper and start taking notes.

In startups and small businesses, each employee account. Recruiting good employees operate your business to success. On the other hand, the bad employees require constant effort to keep a circle in a square. What might surprise you is that the difference between employees "right" and "wrong" rarely for skills. Instead, it has everything to do with attitude -. The will of the employee, flexibility, and passion to do the job

In this quick article of advanced human resources, we will examine why employees' attitude is important for your small business success and three signs your workplace needs a tune-up attitude.

In a recent article by the Wall Street Journal (WSJ), Michael Kitces predicted benefits disappear. No leakage altogether, but rather morphing from a model of "defined benefit", where the employer takes the plan and the benefits to specific employees, to a model " defined contributions ", where employees are given an allowance and left to make their own decisions on health spending. Not surprisingly, the article provoked an important debate on the future benefits.

Zane Benefits welcomes the skeleton and job creators in our economy during the national week of the small (May 4-8). In our continuing mission to reinvent benefits for small businesses, we want to ensure they remain strong and competitive. Presented our blog offers tips on how community building relationships can help build a small business.

It does not matter if your small business has been around for a year or 20 years, if your community does not like you, your company is losing a lot of growth opportunities. Why? There is a hack of life successfully small business owners have realized: to be part of something great. Be part of your community.

[1945009?] Here's the deal - you learned that your

Your little business n 't offer health insurance, but you want to help employees cover they have purchased their own. In this FAQ article we'll answer a common question for small businesses, "Can we use Health Savings Account (HSA) reimburse employees for health insurance ? "

Employees have coverage of the insurance market individual health and small business wants to help with the cost. One solution is to set up a reimbursement of health insurance plan . But wait. Can an employer really reimburse employees for their market health plans? The answer may surprise you.

health benefits employees are expensive, and many small businesses, buying health insurance is out of reach

But here's another way to think of health benefits. offering health benefits can help your small business save money in general. And there are new "Name Your Price" models that make health benefits attainable.

small and medium enterprises nonprofit unique face challenges with hiring and retention of employees. With limited resources, management teams must be strategic about how to allocate salaries and benefits dollars.

To take control of the health benefits of the organization's budget, and to show appreciation to loyal, hardworking employees, many nonprofit organizations are switching group insurance to individual insurance reimbursement health . What? Why? How

under the affordable care Act, there are new employee reimbursement rules for individual health insurance. And starting today, employers using Shot employer payment or nonconforming penalty repayment plan of penalties of up to $ 100 per day per employee .

health reimbursement arrangements (CRH) was one of the easiest ways for small businesses to offer employees a health benefit flexible tax advantages that control the costs of the company. Yet Affordable Care Act ( "Obamacare") Using the rules of limited HRA for plans from 1 January 2014.