How COBRA Works
Did you recently leave a job and lose your healthcare benefits? If so, you might have gotten a COBRA notice. The COBRA notice will spell out your rights to remain on your former employer’s health plan for 18 months (longer…
Did you recently leave a job and lose your healthcare benefits? If so, you might have gotten a COBRA notice. The COBRA notice will spell out your rights to remain on your former employer’s health plan for 18 months (longer…
I recently felt the need to have my heart checked out as a preventative measure. I wasn’t having any symptoms, but I’ll turn 55 this year, and I’m entering the prime heart attack years for American men. I called my…
Tennessee Business Owners Can Lower Their Group Health Insurance Premiums The last innovation that actually offered business owners and employees a chance to reduce health insurance costs over the long term was in 2003 when Health Savings Accounts were introduced.…
Did you renew your small group health plan with your current insurance carrier because your broker told you there was nothing better available? A little background: From 1996 to about 2003 there were many companies I could offer, and I…
With the loss of “grandmothered plans” and the full implementation of Obamacare for the 2-50 employee market, it’s been a tough couple of years for small employers that want to continue to offer health insurance to their employees. With each…
Most small business owners I talk to think that when they renew their small group health insurance, they are somehow obligated or locked in for one year. This is not the case at all. The one year agreement is on…
A new phenomenon has reared its ugly head with some small group health insurance renewals in TN. I’m talking about a nearly $3000 per month premium for family coverage. I have run into several people who are actually paying $2700…
To get a good conceptual understanding of how a health savings account works (HSA), you need to first separate the health insurance coverage and HSA account. They both work independently from the other. The Health Insurance You will be covered…