Goodbye Employer Provided Health Insurance

/ / All Posts, Health Insurance, Small Business

An article from Market Watch highlights Rick Lindquist and Paul Zane Pilzer, co-authors of “The End of Employer-Provided Health Insurance.” The book goes over why group health insurance is a thing of the past and why individuals, their families, and their employers are all benefiting from moving away from group health insurance options. Group health insurance rates continue to rise and that’s where Zane Benefits steps in. Zane Benefits is not a health insurance company, but a company that administers defined-contribution plans. What is that you might be asking? It is a benefit plan that gives employees a set amount of money each […]

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What Makes Employees Stay?

/ / Health Insurance, Small Business

Employees come and go from companies, but what helps a company keep an employee and keep them happy? A recent article by the Employee Benefits Research Institute says that the benefits both attract and retain the best workers. In a 2013 survey EBRI discovered that the benefits package is an important factor in a potential employees decision to accept or reject a job. The survey was also able to show that many workers weren’t satisfied with the benefits package being offered. One of the best advantages of defined contribution health benefits is that an employee has the option to choose their own

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Common Misconceptions with Defined Contribution

/ / All Posts, Did You Know?, Health Insurance, In The News, Small Business

There are common misconceptions with defined contribution plans as to their legality and how to set them up to comply with regulations. One of the common questions comes from understanding that the employer is not directly paying for an employee’s individual health insurance. When a company sets up a defined contribution plan it must be compliant with IRS, ERISA, HIPPA, and ACA guidelines. We typically recommend using an administrator when setting up these plans. So why do you need to set up a formal plan to be in compliance versus giving the employee funds directly? To maintain compliance employers aren’t involved in

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Making Waves as a Small Business

/ / All Posts, Small Business

As a country built on small business and entrepreneurship, what has allowed these companies to thrive? Many of these companies have seen a problem and created a solution. They see what needs to be fixed and fix it, often creating back lash from the companies who the “problem” originates with. In the healthcare industry we have seen that Group Health Insurance is broken and offer a solution to solve the “pain” that comes with group health plans. Naturally getting backlash from Group Health Insurance brokers saying that what we are doing isn’t legal. Fair enough, we understand their sentiments come from

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