Zack Pace

The budgetary challenge of this on-again, off-again Congressional approach is that when the tax returns, fully insured renewals naturally go up about 4% more than they would have otherwise.

The budgetary challenge of this on-again, off-again Congressional approach is that when the tax returns, fully insured renewals naturally go up about 4% more than they would have otherwise.

Robert Skelton, chief administrative officer of the Society of Association Executives, explains the the changing AHP landscape.

Here’s why it’s important: When it comes to benefit plan cost management, pennies make nickels and nickels make quarters.

Here’s why it’s important: When it comes to benefit plan cost management, pennies make nickels and nickels make quarters.

Employers be prepared: A false out-of-pocket cap could create a financial bear trap for employees.

Employers be prepared: A false out-of-pocket cap could create a financial bear trap for employees.

The price of prescriptions has skyrocketed and the industry needs to address matters sooner rather than later.

The price of prescriptions has skyrocketed and the industry needs to address matters sooner rather than later.

The knowledge that employers are paying claims can dramatically change employees’ entire outlook on health benefits and total compensation, says CBIZ's Zack Pace.

A general misunderstanding is that in the Affordable Care Act era, anyone can purchase an individual health policy at any time on a guaranteed issue basis.

Given the penalty amounts, the importance of keeping an eye out for the IRS statements and acting quickly cannot be overstated, says benefits consultant Zack Pace.

Given the penalty amounts, the importance of keeping an eye out for the IRS statements and acting quickly cannot be overstated, says benefits consultant Zack Pace.

Self-funding, Form 5550s and picking the right HSA vendor are some topics employers should consider in the coming year.

Self-funding, Form 5550s and picking the right HSA vendor are some topics employers should consider in the coming year.

Employers should ask themselves how they are handling the Cadillac tax, if there is financial mischief occurring with pharmacy rebates and if they should amend plan documentation.

How an acquisition is structured, as a stock sale or an asset sale, could affect the continuation of employee perks.

Just like gardeners have to test out land to find the best results for plants, firms must adjust employee contributions in plan design to grow savings.

Firms with fewer than 125 workers must proceed with caution when establishing a medical coverage plan, warns Zack Pace.