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Skinny Health Plans—Good Idea or Not?

July 6, 2014 by The Insurance 411Leave a Comment

dollars squeezed by tape measure

So-called skinny health plans could give larger employers a way to minimize shared responsibility penalties under the Affordable Care Act. Beginning in 2015, the Patient Protection and Affordable Care Act (ACA) will require all employers with 50 or more full-time equivalent (FTE) employees to offer their full-time employees coverage that is affordable and meets a...
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Filed Under: Affordable Care Act - "ObamaCare"   •  Employee Benefits   •  Skinny Plans

Through Thick and Thin: Using Skinny Plans and Fat Plans to Cut Healthcare Costs

July 6, 2014 by The Insurance 411Leave a Comment

Stethoscope and calculator

In a companion article, we discuss how some employers are using “skinny plans” to cut healthcare costs under the Affordable Care Act. Others are planning to use the opposite strategy: high-cost plans with rich benefits, or “fat plans.” The Affordable Care Act requires all health plans to cover certain preventive care services with no copayment....
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Filed Under: Affordable Care Act - "ObamaCare"   •  Employee Benefits   •  Skinny Plans

Disability Happens: Are Your Employees Insured?

July 6, 2014 by The Insurance 411Leave a Comment

Disabled Person

More than 1 in 4 of today’s 20-year-olds will become disabled before reaching age 67, according to recent studies. Disability can have a profound effect on an individual’s employability and income. U.S. Census figures show that only about a third (34.7 percent) of people with disabilities were employed, compared with 71.9 percent of people without...
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Filed Under: Employee Benefits   •  Group Disability Insurance

How Do Your Healthcare Providers Rate?

July 6, 2014 by The Insurance 411Leave a Comment

rate sheet on computer

Before buying something online, you can check reviews from previous purchasers. When you buy a car or appliance, you can check Consumer Reports and other rating services. But when you buy healthcare services, where do you turn for pricing and quality information? Why Information Matters High-deductible health plans are supposed to encourage competition by giving...
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Filed Under: Benefits Management & Compliance   •  Employee Benefits   •  Recommended Articles   •  Top Personal Insurance Stories

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