How Are Healthcare Premiums Set?

How Are Healthcare Premiums Set?

Under the Affordable Care Act, health insurance companies can account for only five things when setting healthcare premiums. Insurance companies use these factors to anticipate the cost to cover an individual with health insurance. Some people need more coverage than...
ACA Healthcare Options in Ohio

ACA Healthcare Options in Ohio

  In Ohio, the Affordable Care Act (ACA) provides several insurance options for individuals and families. The ACA created a health insurance marketplace where eligible individuals can compare and purchase insurance plans. No matter if you are searching for the perfect ACA healthcare plan for yourself or a business AUI can help you understand your […]
Mental Health & Your Benefits Packages

Mental Health & Your Benefits Packages

  More and more employers are understanding the need for including additional mental health services in their benefits packages, and for good reason. A staggering 83% of US workers report suffering from work-related stress and 42% of employees with access to mental health benefits cite this as a major reason they are inclined to stay […]

Self-Funding 101: Level Funding

If you like the idea of self-funding but want a stable payment option level funding just might be your ideal fit.  Level funding can aid employers in their health coverage budgeting efforts. With level funding, employers pay a set amount each month to a carrier. This amount typically includes the cost of administrative and other […]

Self-Funding 101: The Basics

As the cost of insurance continues to rise, employers are looking at different ways to attract and retain good employees while curbing their costs.  There are several ways this can be done through alternative benefits.  The most common method is through self-funded plans.  This article will give a brief summary of self-funding and its major […]

Alternative Benefits: PEO

This information is a supplement to our webinar on Alternative Benefits.  If you would like to know more about this webinar, please contact us here. Sometimes companies have trouble meeting their human resources needs, especially while also trying to increase profits. To assist in this area, many companies hire professional employer organizations (PEOs).  These organizations […]
Employer Reporting 101: The Basics

Employer Reporting 101: The Basics

This blogpost is a supplement to our free webinar on employee tracking. The Affordable Care Act (ACA) imposes a penalty on applicable large employers (ALEs) that do not offer health insurance coverage to substantially all full-time employees and dependents. Penalties may also be imposed if coverage is offered, but is unaffordable or does not provide […]

Wanted: A Trusted Advisor

Are you looking for a trusted advisor in a sea of uncertainty? Benefit costs and employee expectations are rising, and many employers struggle to balance employee needs with their own capabilities and bottom lines. Brokers will try to sell to you based on having the lowest price, but sometimes the best value is the broker […]

The Advantages of Self Funding

Importance of claims analysis In today’s business climate, managers need benefits solutions as resourceful and cutting-edge as the organizations they run. For many employers, pre-packaged fully insured health plans do not provide the greatest value to meet their organizations’ needs. Employers of all sizes are looking to mold their plans around the requirements of their […]

Surviving Open Enrollment: Maximizing Open Enrollment for Employees

This blog post is a supplement to our webinar series on surviving open enrollment.  If you would like a copy of our presentation slides you can contact us by clicking here. Open enrollment can be an overwhelming time for both employers and employees. Employees are given the opportunity to re-evaluate their current benefits and make […]

Surviving Open Enrollment: Missing the Open Enrollment Deadline

This post is a supplement to our webinar this month on surviving open enrollment.  If you would like a copy of the slides from that presentation, you can request one by clicking here. Open enrollment can be an extremely stressful and overwhelming time for both you and your employees. It is typically the only time […]

Surviving Open Enrollment: Adding Value Without Cost

This blog post is a supplement to our webinar series.  This month we tackle preparations for your group’s open enrollment. As plan costs continue to rise employers are looking for ways to increase the value of their benefits without raising their overall insurance costs.  There are many ways this can be accomplished, we will highlight […]

Surviving Open Enrollment: Coverage Considerations

This blog post is a companion to our webinar tomorrow called Surviving Open Enrollment. You can register for our webinar by clicking here. If you are the decision maker in your organization for health insurance there are a few things you should consider as we go into the open enrollment season: First, if you are […]

Recruit & Retain: The Supplemental Secret to Happier Employees

As health care benefits continue to rise, employers must seek out new ways to build benefits packages that attract and retain key employees.  Many employers have turned to supplemental benefits to compensate for employee’s increasing healthcare costs and to beef up their overall compensation package. Supplemental benefits are insurance or non-insurance products that employees can […]

Surviving ACA: Self Funding Through Balanced Funding

This blog post is a supplement to our webinar on self-funding.  If you would like more information about self-funding from our presenter you can contact them by clicking here. One of the largest concerns for a smaller employer considering self-funding is how to pay for all of the claims, premium, fees, etc.  Insurance carriers are […]

Surviving ACA: Using a Captive

This blog post is a supplement to our webinar on Self-Funding.  If you would like some information on the content of the webinar, you can contact our presenter by clicking here. Captives are frequently used by employers to fund their catastrophic risk in the form of reinsurance above their self-funded plans.  By pooling their reinsurance exposure […]

Surviving ACA: Self Funding Customization

This post is a supplement to our webinar Surviving ACA: Self-Funding Options.  If you would like more information from this webinar, please contact us by clicking here. One of the greatest assets offered by self-funding is the complete freedom to structure benefits according to the needs of your company.  Employers can choose what benefits they […]

Surviving ACA: Self Funding Advantages

This blog series is a supplement to our webinar on Tuesday, September 1.  If you would like to register for our free webinar, please click here.  In addition, you can get more in depth information by contacting the webinar presenter, Brenda Basso who is one of our AUI experts. A self-funded group health plan is one […]

Surviving ACA: Reasons for Seeking Self Funding Options

This series is written as a supplement to our free webinar to be held on Tuesday, September 1.  You can register for our webinar by clicking here. In today’s business climate, managers need befits solutions as resourceful and cutting-edge as the organizations they run.  For many employers, prepackaged fully insured health plans do not provide […]

Adding Value Through Voluntary: Making it Work

As health care costs continue to rise, so had the demand for supplemental benefits.  Expanding supplemental benefits is a way for an employer to attract and retain key employees without increasing their bottom line.  Implementation, communication, and showing support for supplemental products is key in making them work for an organization.  Showing support motivates workers […]