Alternative Benefit Funding

A New Self-Funded Approach to Group Health Insurance

  • Allows mid-sized employers to take advantage of the same economic benefits that large, self-funded employers have utilized for years.
  • Shows promise to actually begin to reform health benefits costs.
  • Allows employers to utilize market forces to reduce medical fees.
  • Uses risk management techniques such as wellness programs that are often only used by large corporations.

Insurance Coverage Issues

D&O Coverage for Data Breaches – A D&O policy provides coverage for claims made against directors/officers while serving on a board or as an officer for a “wrongful act” - generally covers managerial decisions (actual or alleged error, omission, misleading statement, neglect or breach of duty).  After a data breach, shareholders and customers will most likely make claims. Without D&O coverage, directors/officers’ personal assets are at stake.

Recent News

COBRA Notices and Marketplace Enrollment Period

The federal regulatory agencies issued a bulletin announcing an extended special enrollment period for individuals currently enrolled in (or eligible for) COBRA.  The special enrollment opportunity gives eligible individuals until July 1, | Read More

The DOL and HHS Issue Clarifying Guidance Regarding COBRA

On May 2, 2014, the DOL released proposed regulations, which would amend the COBRA notice requirements to reflect changes made by the ACA.

The DOL also released updated versions of the model | Read More

Blog Posts

Top 10 COBRA Mistakes

The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) requires that employers provide former employees and dependents who lose group health benefits with an opportunity to continue group health insurance coverage for | Read More

ACA and Small Group Health Plan Cancellations – Not So Easy

Bob Laszewski, an expert in health care reform, provides insight into ACA’s impact on smaller employers and how dropping group health insurance coverage for their employees is not as easy as it sounds.  | Read More