Employer Strategies

Howard County, Md., will become the first municipality to establish a nonprofit, member-run health co-op to sell individual and small group plans through the insurance exchanges — a move some say could undercut competitors by 30%.

UnitedHealth Group Inc. and other U.S. health insurers will soon have company in Maryland: a nonprofit started by a county government that plans to sell coverage at rates as much as 30% lower than competitors.

With the 113th Congress up and running and the president’s policy schedule filling up by the day, the Kaiser Family Foundation and Harvard School of Public Health polled Americans last week on what they would like the government to set as top health care priorities for the year.

A 'large employer' is one with the equivalent of 50 full-time employees within a calendar year. Sound simple enough? Making sure which side of the line your company falls on can be trickier than you might think.

As Congress pushes the debt ceiling debate farther down the road, Americans’ personal finances are worse than ever. According to a new survey by the Personal Finance Employee Education Foundation, only 24% of respondents say they have “little financial stress.” That leaves 76% who would likely benefit from a financial education plan at work. According to PFEEF, a workplace financial fitness program can not only improve productivity, but also boost morale and company loyalty.

After a year of significant change in the LTC industry in 2012 Blogger Tom Riske Jr. seems 2013 as a year of growth in LTC sales through the worksite. He shares some key features an employer and adviser should look for when considering one of the newer multi-life LTC offerings.

Primary care physicians should screen all females between the ages of 14 and 46 for evidence of domestic abuse, according to the U.S. Preventive Services Task Force.

The second-biggest U.S. health insurer’s 2013 forecast reflects “uncertainties” that include a flu outbreak, U.S. budget negotiations and implementation of President Obama’s health care overhaul.

It may be a while before we face the holiday season again, but since sooner is always better than later, now is the time to address what has come to be known as “the Christmas bonus.” Every year someone calls me the Grinch because I’m the guy who points out the ineffectiveness of the holiday bonus. Employee benefit advisers, brokers and consultants need to recognize there exists more creative vehicles that can serve as incentive programs to drive and maintain growth as well as recruit and retain key talent.

A new survey suggests workers under the age of 25 are significantly more confident than others that they are on track for a comfortable retirement. Is it youthful arrogance, or has the younger generation absorbed some of the financial lessons we need them to learn?