sbyrd

About Steve Byrd

Principal, Health & Welfare Consultant - Steve plays a key role within HCW serving as Principal, Health & Welfare Consultant in HCW's Small Business Unit. Steve’s high integrity, diligent and conscientious manner is his key to providing our clients with exceptional service and exciting results.
24 01, 2017

Has Long Term Care Insurance Hit A Crossroads?

By |January 24th, 2017|Employee Benefits|Comments Off on Has Long Term Care Insurance Hit A Crossroads?

Has Long Term Care Insurance Hit A Crossroads_Every day between now and 2029 an estimated 8,000 to 10,000 Americans will turn 65. Of those individuals, 70% will need some form of Long Term Care (LTC). Out of [...]

13 09, 2016

Financial Wellness: A New Trend In Employee Benefits

By |September 13th, 2016|Employee Benefits|Comments Off on Financial Wellness: A New Trend In Employee Benefits

financial-wellnessEmployers are becoming more invested in their employees’ wellness than ever.  Many employers understand that “wellness” can extend to other areas of their employees’ lives, including financial wellness.  According to a recent report, over half of employers are [...]

19 07, 2016

Sun Setting Isn’t Just for Beach Vacations: North Carolina Small-Group Transitional Relief Is Ending In 2018!

By |July 19th, 2016|Healthcare Reform|Comments Off on Sun Setting Isn’t Just for Beach Vacations: North Carolina Small-Group Transitional Relief Is Ending In 2018!

Sun Setting Isn’t Just for Beach Vacations(2)Small business group insurance requirements under the Affordable Care Act have been, to put it mildly, confusing. While the ACA did not require small businesses (as it defined them, those with fewer than [...]

10 06, 2016

Pharmacies, Big Pharma, and Rising Prescription Prices

By |June 10th, 2016|Employee Benefits|Comments Off on Pharmacies, Big Pharma, and Rising Prescription Prices

Pharmacies,Big Pharma,and Rising Prescription PricesA key trend among medical plans lately has been the move away from traditional pharmacy tiers. In the traditional model, generics — regardless of cost — reside under the least expensive copay tiers on your medical [...]

8 02, 2016

ACA: If You Build It, They Will Come. Or Will They?

By |February 8th, 2016|Healthcare Reform|Comments Off on ACA: If You Build It, They Will Come. Or Will They?

ACA_ If you build it they will comeIf you build it, they will come. That’s a memorable line from a favorite movie of mine, Field of Dreams. When I think of Roy standing out in his cornfield, considering a [...]

22 10, 2015

Shifting Sands Of ACA | Impact On Small Group Definition

By |October 22nd, 2015|Healthcare Reform|Comments Off on Shifting Sands Of ACA | Impact On Small Group Definition

ThinkstockPhotos-466221345The Affordable Care Act (ACA) has brought with it many changes to the insurance industry, but it has also brought many changes to the law itself since implementation. Perhaps one of the biggest changes just occurred as the definition [...]

30 07, 2015

ACA Impact Of Individual Tax Filings

By |July 30th, 2015|Healthcare Reform|Comments Off on ACA Impact Of Individual Tax Filings

ThinkstockPhotos-481195925When it comes to the impact of the Affordable Care Act (ACA), we’ve seen that everyone has a learning curve. This past year, there were many questions surrounding the new tax filing requirements individuals faced during tax season. Out [...]

25 03, 2015

New Special Enrollment Period For Individuals

By |March 25th, 2015|Healthcare Reform|Comments Off on New Special Enrollment Period For Individuals

marketplace enrollmentOne of the changes Americans are struggling with under the ACA is the enrollment windows that have been created in the individual market.

It was anticipated that the individual market would mirror the Medicare open enrollment window each year – meaning [...]

15 01, 2015

The 2014 Tax Season Presents Added Challenges

By |January 15th, 2015|Healthcare Reform|Comments Off on The 2014 Tax Season Presents Added Challenges

Brainshark ImageThis will be the first year your employees will be reporting about their insurance coverage on their individual tax returns.  Individuals will be confronted with new forms and questions to report their insured status throughout the 2014 tax year.  [...]

7 11, 2014

What Will Power Shift Mean For The ACA?

By |November 7th, 2014|Healthcare Reform|Comments Off on What Will Power Shift Mean For The ACA?

With the recent mid-term elections having justpolitical parties wrapped up, and the Republicans maintaining a majority in the House and achieving a majority in the Senate, a big question arises.  How will this impact ACA?

There is a lot of talk around [...]

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