These certainly are unprecedented times as individuals, companies and governments take steps to slow the spread of COVID 19 in an attempt...

On March 11th, the Internal Revenue Service (IRS) announced that high-deductible health plans (HDHPs) can pay first dollar coverage for 2...

Those in the stop loss market have heard the phrase “leveraged trend” when discussing renewal calculations with your stop loss carrier.  ...

You’ve made the decision to convert your health insurance benefit plan from an insured arrangement to a self-funded arrangement. Under yo...

As I'm sure you're aware, there has been quite a bit of conversation regarding the Chapter 78 Relief Bill (you may also hear this referre...

The "Educator’s Health Benefit Fairness Act" aka the "Chapter 78 Relief Bill" is making its way through the State legislature and is expe...

The "Educator’s Health Benefit Fairness Act" aka the "Chapter 78 Relief Bill" is making it's way through the State legislature and is exp...

On September 17, 2018 the SEHBP Plan Design Committee approved the implementation of a new plan option for the Active population, effecti...

On Monday, September 17, the SEHBP Plan Design Committee met to review potential changes to the 2019 SEHBP Medical and Prescription Drug ...

On Monday, September 17, the SEHBP Plan Design Committee met to review potential changes to the 2019 SEHBP Medical and Prescription Drug ...

Have you ever received an unexpected medical bill in the mail? Maybe it was connected to a planned surgery, an MRI, an ambulance ride, or...

The NJSBA is the go-to source of information for New Jersey Boards of Education. On 12/22/17 the NJSBA released its most up-to-date "Sett...

He or she just hasn't told you yet. In a time before the double digit inflation of the 2000's, the life of a benefits broker was simple. ...

Recently, New Jersey has appeared on the national radar for some of the innovative strategies that have been launched. In particular, the...

As a young entrepreneur, and not surprisingly, I want to see some big changes take place in the health insurance industry. In the age of ...

"The drug-pricing system is completely broken" - Linda Cahn WHAT IS A PBM? Per PCMA, Pharmacy Benefit Managers (PBMs) administer prescrip...

ASYMMETRIC INFORMATION Asymmetric information is present in an economic transaction when one party possesses greater material knowledge t...

Whether it's a branded product like The Difference Card, or an HRA from one of the many other Third Party Administrators, you need to be ...

In our previous posts, you may have seen that an HRA can save employees and employers 18% or more on their health insurance costs. Why th...

As health care continues to stretch budgets and wallets, many are turning to innovative strategies for relief. Health Reimbursement Accou...