Insurance News

Why Employees Need Your Voluntary Plan

With insurance premiums on the rise, most employers are attempting to shift and cut costs, often including employer-paid benefits. As a result, employees need supplemental replacement coverage to protect their personal assets.

Employer Responses to Rising Health Care Costs

Employers, in general, are continuing to piece together an approach to deal with rising health care costs. They expect to continue to increase employee premiums, co-pays and percentage contributions.

Consumerism and Cost Shifting Lower Health Costs

Recent Fidelity Investment research shows total health care expenses will average $8,498 per employee this year, compared to $7,713 in 2003. It is averaged that workers will pay for nearly 29% of the total cost in 2004, up from 26% last year.

An Introduction to Health Savings Accounts

The Medicare Reform law, which contains provisions establishing health savings accounts (HSAs), was made effective January 1, 2004. One significant feature of the new HSA is that, unlike a Flexible Spending Account, or FSA, the unused money in the HSA account can rollover from year to year.

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