Guaranty Association Benefits Company

Some he a few weeks ago, I had lunch with a former CEO of Uber, the well-known disrupter of the taxi industry. Once he understood the Zane Benefits strategy to disrupt the industry of health insurance by the employer, he leaned chuckled and said something similar to: "I bet that insurance brokers react similarly to taxi drivers. "

this led to a very interesting lunch and gave me the idea for this position.

As a small business owner or manager, you are a jack-of-all trades. With so many demands on your time, managing health benefits can not, and should not be a full time job. That's why when it comes to assessing the small business health benefit options, it is not just about the line item expense. The delivery time is also an important factor to consider.

In this practical guide, we will discuss management options for health benefits of small businesses and what these options mean for your health care and personal budgets.

Since individual insurance markets are preparing disease to open in November 1 2016 registration period, all eyes are on the plans, providers and premium costs.

premium data recently, the Kaiser Family Foundation (KFF) has published twelve major cities, where complete data are available. Although not comprehensive national data, this report provides an overview of the different contribution rates for health plans for 2016.

Here is a summary of what to expect in 2016.

Who you hire is the key to your success. This is true for new growth companies and established practices. Yet to find and recruit the right employees can be difficult. Small practices with limited time and resources need to be smart about recruiting new talents and make each new rental account.

Last week, we wrote an article presented on 5 DentistryIQ describing Rapid recruitment advice for dentists -. and all small business owners

Over 2 7 million small businesses the United States do not offer health insurance, but most small businesses want to help cover the cost of health insurance. Where traditional health insurance is not adjusted because of the cost, eligibility or administrative obstacles, there are ways for businesses to help cover the cost of purchased individual health insurance.

But wait. Can help employers still cover the cost of insurance? What about the new rules and reforms?

The costs health insurance is one of the? biggest stressors of running a small business. Although most employers expect health insurance costs to go up every year, many are turning to individual health insurance funded by employers models that enable companies to predict and control costs from the beginning by providing duty-dollars to employee personal insurance. These plans offer unique advantages to both employees and employers, but can he still do it? Yes. As the health plan meets the new regulations established by the Affordable Care Act, employers can still provide dollars in tax-free personal insurance of employees using a repayment plan compliant healthcare.

The Affordable Care Act, otherwise known as Obamacare, was set movement has changed several times since its adoption in 2010. Therefore, business owners and employees are wondering what left the best options for health insurance.

As the year draws to a close, small business owners face many important decisions. For small businesses, almost all decisions ultimately play a role in the success of the company.

provided by the health insurance company is a prime area for potential improvement, as is often the biggest overhead, other than payroll. To determine if you need to change your health benefits in 2016, it is important to understand your options, at least on a basic level. Here is a look at the advantages and disadvantages of group health insurance and health plans to defined contribution plans.

Between how busy small leaders companies and how health insurance is complex, nobody can blame the owners to be cautious about major changes to their system of benefits. Even so, operators increasingly small area make the decision to convert their plan small business group to a private plan system.

You worked hard to get to this point. You are finally able to offer what will be a reward for those who have worked alongside you and what will attract new talent to your team as you continue to build in the future. You are ready to offer the reimbursement of health care to employees. But where to start?

Since health insurance is linked to employment (beginning after World War II), the group health insurance has been the norm. It is easy to see why business owners are attracted to this form of health care: it is relatively simple and everyone has the same plan. But can you cover all the needs of your employees?

When you hear the word "modern", you probably think addresses progress problems or challenges of the past. That's a good description of the modern individual health insurance, a concept that has blossomed into something much more beneficial than imagined before - and, in many cases, much easier for small businesses that plans health provided by the traditional employer to which most people are used to.

a health savings account (HSA) is a tax-advantaged savings account paired with a high-deductible health plan qualified (HDHP). With an HSA there is an adjusted annual contribution limit each year by the IRS.

This article describes the HSA contribution limits and other guidelines HSA, 2016.

We congratulate beyond celiac disease to become a new Benefits Zane customer! Beyond Celiac advance widespread understanding of celiac disease as serious genetic condition autoimmune and works to ensure early diagnosis and effective management.

Beyond Celiac said "Zane Benefits will save [our] money from employees since our group plans are increasingly the place now, employees can take these dollars and choose the plan they want, with the features they want "

As organizations evaluate the benefits health where refund? premiums, instead to pay, it is common to have questions about how a formal plan, tax benefits is a better value than giving cash employees. In this article we will walk through the tax-benefit - and cost savings -. To use a convenient repayment plan health tax

The non-profit sector is an important economic engine. According to the nonprofit Partnership, nearly 2 million nonprofits employ 10.7 million workers; just over 10 percent of the private workforce in the United State. Yet for many nonprofit organizations, recruiting and retaining talent is a big challenge.

According to a survey by nonprofit HR, more than half of the nonprofits that they do not have a formal recruitment strategy, a third of nonprofits say the hiring is the biggest staffing challenges they face, and a quarter of non-profit organizations say their greatest challenge of retention is the inability to pay competitive salaries. Even the smallest nonprofits benefit from having a formal employee retention strategy and documented. After all, the cost of losing employees is high in both the budget and the morale of the organization.

So if you need a formal retention program, or you just need a tune-up, here are 14 simple employee retention strategies to help.

When ? it comes to saving for retirement, understanding the tax implications is a key component of retirement planning success. This article breaks down four keys needed to understand terms retirement savings and tax options for small business owners and employees.

When the Affordable Care Act, also known as Obamacare, was enacted in 2010, perspective of public health reform law was biased - a loved one, he hated others, and some just do not know. Today, public opinion remains the same.

This is according to the Kaiser Family Foundation (KFF) ACA opinion polls that followed the opinion of the public on Obamacare since 2010. This article provides a brief overview of the survey results over time and by demographic

UnitedHealth Group, one of the largest and most established the nation's health insurers, recently announced the release in 2017 of 34 most markets of the state where they offer individual health insurance plans.

When a company offers a health plan the group, there are many laws and regulations that come in. in determining such regulations, fees and penalties applicable in every situation, a company must make a specific number of employees. The complicating factor is that these laws have different methods for counting employees. In this article, a summary of employee counting rules by Benefits Pro, when we describe the main regulations of health plans are effective and how companies can determine if they meet the minimum requirements of company size.

A recent survey by the International Foundation for benefit plans (IFEBP) explored the reactions of employers in the affordable care Act (ACA). Specifically, IFEBP asked business owners what they were doing to reduce Medicare costs.

children's health insurance program (CHIP) is low cost - and sometimes free - health insurance option for children who qualify based on family size and income levels. Children who are eligible can receive coverage that offers many advantages; However, eligible children can be included on market plan subsidized by their parents.

Helping retired employees is one way that companies can remain competitive in the retention and recruitment of employees. Offering an individual retirement account (IRA), with contributions from the company or the company and the employee can be a great way to do it. There are three main types of vehicle that businesses can use to encourage workers to save for retirement: A deduction of payroll IRA, Simplified Employee Pension a (MS), and a game plan encourage savings for retirement account individual employees or SIMPLE IRA.

For years, the common thinking was health insurance was employer -Supplied on how to get health insurance. However, since the Affordable Care Act (ACA) has taken effect, people begin to see that health insurance provided by the employer is on only way . Which begs the question, what will happen to health insurance provided by the employer?

This is a brief overview of where the health insurance provided by the employer is now, where he was, and what will happen to give it its current path . In addition, we will discuss how each health insurance has intervened to change the landscape of health insurance.

When you think of productivity work, I bet the workplace design are not the first thing that comes to mind. But did you know that every aspect of your small business design has an impact on how your employees are doing their job and behave? In fact, one study found that having an open workspace, 64 percent employers have not seen ethics violations in the past two years.

Therefore, if the workplace design has much impact the big question is, what are the best design practices for the workplace of your small business? We have established five practices to help you assess how you are doing things, and how you can improve in order to boost productivity.

I still remember the night before my first open business . I layed there in my bed anxious, afraid, I did not know what to expect. Was I going to be a total failure? Or is my new small business will take off like a rocket into the unknown - the fight against gravity land for a short time until it is clear for a smooth trip in weightlessness? The truth is, I did not know.

When I woke up the next morning, I sat in bed, looked out the window to find a sunny day, summer, and I said "I do not care what is happening today. I will succeed. "And you know what? I did.

I put up a block from the spirit of everyone who told me that I had to fail and I ' I decided this morning that nothing could literally stand in my way. so I'm here to get you excited. to you ready to start your first small business. And you know what? you'll love every minute! Let's dive in full

If you requested a small business owner mean what they thought about health insurance options to their start, what do you think they would say?

I guess some of the answers would be simple, like "ugh" or "do not get me started." Or, maybe you will get a long history of negotiations and a ton of time on the phone with the insurance company.

the truth is, health insurance starting ISN 't always fun to talk to, and it is one of the main small business challenges . While many owners have a lukewarm reaction to it (at best), others have information or perceptions that are just ... bad.

There's a lot of buzz surrounding the reimbursement of health insurance (such as health reimbursement plans ) for employees today - many small business owners wonder how to offer and if it is compliant. But when it comes down to it, pay your employees for health insurance is easier to do than you think.

We broke some of the main issues you need to know to get a good grip on the reimbursement of employees for their health insurance.

over the past few years, you may have heard of a plane Article 105.
and as you may know -being little to nothing about this type of plan, it is important for you to understand what it is. Why? As a small business owner, if you are currently offering a health insurance plan sponsored group, or nothing at all, a plan of Article 105 could be a great advantage for you and your employees.

So what is the difference between a plane of section 105 and a health insurance plan sponsored group? This article will help you understand a plan of section 105, particularly article 105 Shot reimbursement of medical expenses , and how it differs from other benefits health, such as health insurance sponsored by plane group.

Do Baby Boomers are characterized as generation of America's entrepreneurs? Does the number and success of American startup companies decreases as the baby boomers retire?

A recent study by the Ewing Marion Kauffman Foundation said not necessarily.

Ah, the advantages of the company: The first thing you are asked about hiring new employees. There is a good reason for that, too. In fact, the company benefits your small business deals will often be the deciding factor for many potential employees you want to hire. Because they are so important, now is a good time for you to ask yourself, "Is this the benefits I offer my employees the best" If your answer is no, this article will be your best friend, we'll talk about 11?. company benefits you have to offer and why they benefit you.

From the time you were young, you have done all kinds of research - from primary school to university. So , it's safe to say the research is not new to you.

And if you are an entrepreneur and come ready to start your first business, research will become your best friend very quickly. Knowing this, I'll get you started on the right foot. I will help you know what research the part played in starting your new business, and how to start

As small and growing businesses evaluate employee compensation "packages, benefits are inevitably part of the discussion. Employee benefits are a way to supplement the wages of employees and can often be offered free of tax. benefits tax free help small businesses offer richer pay and employees appreciate the benefits in the workplace such as health benefits, meals on site, as well as reimbursement of tuition fees.

Wondering what benefits may be offered tax free? Here quick guide.

2015 marks the fifth anniversary of the affordable? Care Act (ACA), also known as Obamacare , and the question that looms is still ever present: What the public thinks of the Obamacare? Over the last five years, public opinion has changed. In fact, the gap between supporters and those who are not in favor of the ACA is lower than it has been in over 2 years.

Recently, Kaiser Family Foundation (KFF) released a survey that enlightens public opinion on Obamacare. This article is a brief look at the poll results

Note :. This article is part of our ACA series

The Customer loyalty is the backbone of your business. Without dedicated customers who buy your products or services, you are not left with much of a business. You have hundreds, if not thousands of customers who visit your business and the last thing you want to do is lose them to competition or for any other reason.

If you are a small business owner you know that with benefits your employees is optional, but is it the smartest thing for your company's success? Want to know what really makes an attractive employer for talent, potential employee? With benefits could make all the difference to attract quality contenders in your work area and keeping them happy and satisfied.

To cite a few, benefits such as flexibility, stock options, telecommuting, alternative workspaces, and weekly breakfasts are a so wonderful and attractive to show your employees you, Aore glad you hired them, and hope they stay. What, AOS addition, health benefits, in particular, create loyalty, peace of mind, and boosts morale. labor market Today, AOS is very competitive. Health benefits are an important part of most social benefits of employed, AO, which explains why almost 98 percent large companies offer them to their workers.

As small business owner or HR professional, knowing what your employees really want may feel like a game of mind reading - the one where you are constantly losing. However, if you approach it totally wrong? What if you could ax the guessing game and your employees would come to tell you what they want

This type of scenario is not out of reach - it is actually just across you. Knowing this, you must be dying to know what the secret is, right? Come over four key HR advice one at a time so that at the end of this article you'll be ready to sit back and let your employees come to you and tell you what they want.

Since health insurance costs are rising to the States States, many employers adopt new strategies to provide their employers health benefits - in a sense being account-based health plans (ABHPs). Two common types are ABHPs reimbursement healthcare plans (HRPS) and health reimbursement arrangements (HRA). These types of health benefits of reducing the cost of health care without reducing coverage for employees.

And although both HRPS and CRH are commonly used by employers, many employers do not know what is the difference between each plan. To help clear up any confusion, we have set up a table to show you a side by side comparison.

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Because the traditional costs of group health insurance have been rising for over a decade now, the small business owners have turned to new, affordable options - a being defined contribution (also known as specific health plan contributions). To see if your small business is a good fit for defined contribution, we have set up a quiz. After completing the quiz, read on for additional resources based on your results

More and more people are buying a health insurance coverage on themselves it is common for companies - especially small businesses - to help employees in their premium cost. If this sounds familiar, you probably have yourself "Are we reimburse employee health insurance correctly?" The response requested? See

side of the policy, the Affordable Care Act ( aka ACA or Obamacare ) has created new benefits for the individual market health insurance. These changes make Act largest affordable care for Americans, and very good for brokers who adapt their business model to thrive in the changing landscape of health insurance.

including employee health benefits is a common human resource challenges for smaller growing companies. On the one hand, we appreciate the role of health benefits in the remuneration, recruitment and retention. Moreover, the cost is prohibitive, even for the most profitable businesses.

as owner a small business, recruit and retain top quality employees is the key. You need employees who feel satisfied with their work, positive about their salary and have the desire to be long-time contributors. You want them to feel loyal to your company and recommend for your small business. Individuals like these are the ones to get and keep. So how do you make that happen? A piece of the puzzle is employee retention benefits.

Can employers still pay employees for premiums personal insurance? Yes. Employers pay penalties if they are going about it the wrong way? Yes.

Here's a quick overview of what small business should know about reimburse employees for personal health insurance this year.

For small owners business, busy track railway entrepreneurialism often the process of everyday thinking, providing little time for growth and strategic thinking . In fact, strategic thinkers only four to seven percent of executives are considered as The Persimmon Group and Center for Creative Leadership .

Health Reimbursement Arrangements (HRA) are a type of medical reimbursement plan used to pay medical expenses tax-free employees.

Whether your company currently offering an HRA, or you are looking for ways to help employees with medical expenses, a common question is, "Qu'est- what exactly can an HRA pay? "

More a third (37 percent) of employers offering health benefits still have grandfathered health insurance plan , according to 2014 employer health benefits of the Kaiser survey Family Foundation.

Each year, however, the number of grandfathered plans decreases, which means it can be the year your company must seek a new health plan.

Will you be able to keep your health insurance plan grandfathered? This article covers the changes in health plan that trigger the loss of acquired rights.

If you're trying to wrap your head around compliance requirements for a plan of reimbursement of medical expenses section 105, this is a good place to start: a plan Article 105 is a health plan group [

in this article, I will explain why section 105 plans are considered as group health plans, and why it important for the understanding of compliance.

The Affordable Care Act (ACA) was signed into law on March 23, 2010 with its adoption, the ACA has presented a set of group health plan standards and health insurance, known as "market reforms."

In today's market, health insurance navigation for yourself, your practice, and your employees can be a challenge.

Last week, we wrote an article featured on DentistryIQ answer five questions frequently asked by small dental offices on the ins and outs of health insurance.

To smoothly reimburse employees for premiums Medicare, employers often choose to use a health care reimbursement plan (HRP) . With HRP, employers can customize a plan that meets the needs of their business while ensuring compliance with federal requirements. However, we are often asked, "Can we do it ourselves?" The answer is, technically yes. However, the compliance requirements for the reimbursement of health insurance can be difficult to navigate and cause unnecessary administrative burdens .