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How Insurance Brokers Can Cultivate Lasting Client Relationships
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 The cost of healthcare in America is an all-time high and by all indications it's only going to get more expensive. In 2018, the average annual premium for single coverage was $6,896, up 3%.
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 Employer benefits is a very competitive industry and with CobraHelp being a third-party administrator we can attest to number of brokers there are out there and the number of clients we have that have hired or made broker changes in the past.
 First things first, what exactly is ERISA? In short, The Employee Retirement Income Security Act (ERISA) is a federal law that was enacted in 1974 to safeguard and protect qualified individuals with voluntary retirement and health plans in the private sector.
 The 2019 ACA and HSA Inflation Adjustment Indexing
Earlier this year the IRS announced its 2019 inflation adjustment indexing for a number of ACA provisions such as the employer shared-responsibility penalty, affordability percentage (employee contribution limit that determines employer penalty), and Maximum out of pocket limits.  Equip your HR team with knowledge--the greatest tool in risk reduction. Understand What Is and What Is Not an Event.One of the most common COBRA misconceptions by employers is the belief that going on FMLA - or some other type of leave, such as ADA - is a COBRA Qualifying Event.
 What Is 1095 Reporting and |
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