The Basics of Private Health Insurance Exchanges

A study by Accenture Research claims that by 2017, nearly one in five Americans will purchase benefits from a health insurance exchange. Under private exchange plans, employers purchase coverage through a marketplace, allowing their workers to choose from a range of health plans. It is comparable to the publicly run exchanges set to launch under new healthcare […]

Benefits Consultant vs Benefits Broker in North Carolina

The term “consultant” is often thrown around and can be attached to just about any profession in today’s world. This holds true for the employee benefits industry, where employee benefits consultant and broker are often used interchangeably. However, if working with a true consultant, your organization should experience a noticeable difference that will change the […]

IRS Announces Out Of Pocket Maximum For HSA Eligible; HDHPs Different Under ACA

As if keeping up with the annual out-of–pocket (OOP) maximum requirements was not confusing enough, the Internal Revenue Services (IRS) and the Department of Health and Human Services (HHS) are using different indexes when making annual adjustments for inflation. The IRS recently announced that the OOP maximum for high deductible health plans (HDHP) will be […]

What Lies Ahead For Worksite Wellness Programs?

Earlier this week, Blue Cross and Blue Shield of North Carolina (BCBSNC) announced that they will no longer award premium credit to employers with fewer than 100 eligible employees based upon participation in their Healthy Outcomes Group Wellness Program.  We anticipate this to be a trend among all carriers for similar sized groups. While this […]