REFRESHING INSIGHTS

from the McClone team

Top 4 Best Practices for Offering Health Benefits and Lowering Premiums

A report from the Kaiser Family Foundation revealed that for employers with fewer than 200 employees, annual group health insurance premiums in 2017 totaled $17,615 for family coverage ($6,486 for single coverage)....

Topics: employee benefits

Spousal Surcharges: Another Technique to Address Rising Health Insurance Costs?

It’s no secret that health insurance premiums keep going up. Last year, the annual increase for employers was over 10% and 2018 is expected to bring even higher rate increases.

Topics: employee benefits

Employee Wellness Programs — A Key to Lowering Healthcare Costs

While the economy continues to improve, many businesses aren’t feeling its effects as they watch profits get eaten away by rising healthcare costs. According to the Kaiser Family Foundation, the average health...

Topics: employee benefits

Self-funded Health Insurance — What It Is and When to Consider It

As costs for healthcare continue to climb, so do health insurance premiums. It’s estimated that large employers will see a 4.3% increase in health benefit costs in 2018. Small employers and their workforce are...

Topics: employee benefits

Medicare-Eligible Employees May Impact 'Pay or Play' Penalties

Under the Affordable Care Act (ACA), Medicare-eligible individuals are ineligible to receive premium tax credits. As a result, employers with Medicare-eligible employees should consider how those employees may impact...

Topics: employee benefits

Is Workers Compensation the same in every state?

Author: Chris Wilson, Senior Account Executive - McClone

Topics: employee benefits

Understanding Waivers of Subrogation for Workers Compensation

Posted By: Brian McClone, CPCU - Strategic Risk Advisor

Topics: employee benefits

High Stakes Decisions on the Affordable Care Act

July 22, 2014 marked a day when two different federal courts came out on opposite sides of the same question. In the morning, the U.S. Court of Appeals for the DC Circuit dealt a serious blow to the Obama...

Topics: employee benefits

Top 5 'Pay or Play' FAQs

Common Questions and Answers for Employers to Consider

Recently issued final rules provide important guidance for large employers who are subject to the shared responsibility ("pay or play") requirements under...

Topics: employee benefits

Five Reasons why the Worksite is the Ideal Place to Deliver Wellness Messages

Posted by: Steve Uslabar, Strategic Risk Advisor

Topics: employee benefits