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In 1978 “flex credits” were born as a way to expand benefit choices with tax advantages. Now we have Defined Contribution. In this video, Don Garlitz, Executive Director, Exchange Solutions at bswift answers some key questions about Defined Contribution...

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There has been a great deal of hype from employers about private exchanges and why they would make sense for an employer. Watch as Craig Hasday of Frenkel Benefits addresses important questions about private exchanges...

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When employer sponsored cafeteria plans (aka Section 125) were added to the Internal Revenue Code in 1978, the original idea was to establish “flexible compensation” so an employee could use a tax-favored employer contribution to select those benefits that best suited the employee.

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Employers are confronting the many challenges of staying on the right side of new ACA regulations – from generating new reports to the IRS and providing disclosures for employees to tracking needed information for hourly employees.

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The Internal Revenue Service has announced its intent to delay any excise tax penalties on employers with >50 employees (Full-time Equivalents or FTEs) failing to offer adequate and affordable coverage to FTEs in 2014.

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Despite the fact that reports of unemployment remain high, many sectors of small businesses are desperate to find qualified candidates to fill jobs.

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Perhaps the most remarkable thing about health care reform for mid-sized and large employers is not what’s changing, but what’s not. 2014 will bring new market conditions to the fully insured world of individuals and small businesses in most states...

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Defined contribution as a funding strategy for health care coverage is gaining much attention lately as a cost control concept and driver of deeper health care consumerism. Part of the hope is that more personal responsibility will result in better health care behaviors and outcomes...

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General interest in defined contribution and deeper consumerism may span all segments of the employer health care market, but the available private exchange solutions will vary with employer size...

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You are going to hate section 6055 and 6056 of the IRS code. Under PPACA, beginning in 2015, employers will have a lot more compliance obligations.

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There is no universal definition for “affordability” of employer sponsored insurance (ESI) across the Affordable Care Act (ACA). Guidance released last week by the Treasury Department provides more clarification on the subject ...

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The Affordable Care Act (ACA) endeavors to help millions of Americans obtain medical insurance. Some supporters are compelled by compassion, others by business interest, but the idea of helping more people get insured is now widely supported. However, federal regulations ...

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I recently moderated a panel discussion at the AHIP Fall Forum to predict the staying power of health insurance exchanges. The panel included a leading broker, a strategist from one of America’s largest health plans, and an executive from one of the nation’s most successful ...

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Earlier this month I attended a meeting on the SHOP (Small Business) Exchange hosted by the New York Exchange Regional Advisory Committee, of which I am a member.

New York is among the states that have applied for a Level 2 Establishment Grant ...

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With the Affordable Care Act solidly in place, I’d like to revisit the question about whether employers will continue to offer group health plans in 2014 and beyond and what factors will influence that decision.

The first new disruptive force in the market will be the federal premium tax credit. This ...

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When I walk into a store ready to buy something, I’m focused on finding a good value, and the way products are displayed affects my confidence. The last thing on my mind is ...

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With Black Friday coming and holiday sales starting earlier than ever, retailers need to rely on a strong seasonal sales force. As retailers ramp up their workforces, C-suite leaders ...

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The presidential election will have major impact on the way public health insurance exchanges develop. Red states are looking for flexibility to establish exchanges on their own timetables and according to their ...

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The presidential campaign has brought to light common ground for both parties—they agree small businesses need help to grow. A major challenge for small business is access ...

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The 2012 presidential election will have a significant impact on how health care is delivered and paid for in this country. bswift, a leader in software and services for employee benefits administration for businesses and health insurance exchanges, is closely following the changing landscape.

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