health add on benefits

Benefits Don’t Have To Cost A Latte

October 22, 2022

As I near the completion of my 20th year as an Employee Benefits Specialist, I have been asked if I regret that I haven’t made a career change. I love what I do, but if I am being honest, I hate what I have witnessed over the past several years. Hard-working Americans cannot afford basic…

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open enrollment

Inflation’s Impact on Open Enrollment

September 12, 2022

Many employees are currently feeling financially strained because of inflation. With open enrollment fast approaching, inflation could impact the choices employees make when it comes to their benefits. Employees are likely to consider which benefits matter the most and how to optimize the money they spend on those offerings. As a result, this year’s open…

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health care costs change

Health Reforms: Big Changes are coming for Health Care Costs

August 17, 2022

On Aug. 16, 2022, President Joe Biden signed the Inflation Reduction Act into law. While this law is primarily aimed at fighting inflation and reducing carbon emissions, it also contains a number of reforms that will impact health coverage. The health reforms included in the law have staggered effective dates and will be implemented over…

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covid workforce

The Pandemic Workforce: How America’s Labor Sector May Vastly Evolve

January 22, 2022

There’s no shortage of jobs in today’s hastily termed post-COVID America. As well, there’s no shortage of pandemic revamps in the employer-employee relationship dynamics. While restaurants and retail stores aim to entice workers back into the workforce, America plays witness to an evolution in how its workers “work” and how employers “pay.” Large and small…

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medical bankruptcy

Can Medical Debt Drive You Into Colossal Financial Ruin? In Short, Yes.

December 12, 2021

Examples of medical bankruptcy are increasingly spreading in the U.S., to a degree that is chilling and unsettling. In 2019, the American Journal of Public Health found that just under 67% of all bankruptcies in America were the result of medical debt. And no, this isn’t isolated to those lacking in health insurance. In some…

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add on benefits palns

Add-On Benefits: The New Reality For Managing Healthcare Costs

October 20, 2021

I’ve written a number of times about my experiences with individuals, families, and small businesses, but the most difficult experiences are those in which the out-of-pocket costs have escalated well beyond what only few families can afford. There are many that say this can’t happen, not in America. But, I’m here to share that I…

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breast cancer awareness month

Breast Cancer Awareness Month: Navigating health insurance in 2021!

October 7, 2021

For many, each Fall represents a new challenge – the effort to find adequate, affordable health insurance and other voluntary benefits! Background anxiety and worry seem ever present. It’s part of the “what if” that keeps us awake at night. Finding health insurance is a real challenge. The cost to families for health coverage and…

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PwC help soon

PwC Report: Increases in healthcare costs in 2022 are coming.

October 6, 2021

It comes as little surprise to anyone that America’s healthcare system was affected by the COVID-19 pandemic, in more than one way. Unfortunately, as 2022 approaches, we are showing few new positive indicators. The damage done by this pandemic continues to occur on a weekly, daily, and even hourly basis. People need help. The Affordable…

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retooling the Affordable Care Act

Biden’s Obamacare Subsidies Help Struggling Americans Get Back On Their Feet

August 10, 2021

In the United States, few political issues serve as a ‘lightning rod’ as much as healthcare. President Biden and his administration are actively retooling the Affordable Care Act system into a system of even more advantages. For many, it offers new hope. On Feb 15th, President Biden opened up a particular Obamacare enrollment period. This…

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cobra health insurance

COBRA Relief! Can you benefit from the new legislation?

July 22, 2021

The American Rescue Plan Act has a number of interesting, and likely little understood, benefits that reimburse Health Insurance premiums for families that lost their job in the last 18 months. To put it simply, if you lost your job, went on COBRA, but your employer didn’t offer any financial support for the cost of…

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