Calibrating Employee Premiums to Ensure Affordable Care Act Compliance

BY DAVID BOTTOMS, REBC, RHU, CLU, CHFCSENIOR VICE PRESIDENT, BENEFITS Published: October 2021 Cobb Business Journal When the compliance aspects of the Affordable Care Act (ACA) became enforceable in 2014, most large employers subject to the ACA’s Employer Shared Responsibility provisions were keen to ensure that the benefit plans they offered to employees met the […]

Employers Weigh COVID Vaccine Mandates

BY DAVID BOTTOMS, REBC, RHU, CLU, CHFCSENIOR VICE PRESIDENT, BENEFITS Published: September 2021 Cobb Business Journal As Delta variant concerns continue to mount and vaccine hesitancy persists among a large segment of the American workforce, employers anxious to return to a somewhat normal work environment are weighing a number of strategies in their attempts to […]

Wellness: Encouraging Health Can Deliver Premium Savings

BY DAVID BOTTOMS, REBC, RHU, CLU, CHFCSENIOR VICE PRESIDENT, BENEFITS Published: August 2021 Cobb Business Journal Wellness programs have the potential to enhance company morale, improve employee health, and generate employer savings.  And, an effective wellness program doesn’t have to involve much complexity.  Often, the simpler the better. That said, in order for organizations to […]

Direct Primary Care: The Promise & The Pitfalls

BY DAVID BOTTOMS, REBC, RHU, CLU, CHFCSENIOR VICE PRESIDENT, BENEFITS Published: July 2021 Cobb Business Journal Last month, this column explored the promise and pitfalls of an innovative approach to employer-provided health coverage called “reference based pricing.”  This month, we will explore “direct primary care” which takes a different and in some cases complementary approach […]

Reference Based Pricing: The Promise & The Pitfalls

BY DAVID BOTTOMS, REBC, RHU, CLU, CHFCSENIOR VICE PRESIDENT, BENEFITS Published: June 2021 Cobb Business Journal Ask any employer what they think about health insurance and you are very likely to get a very predictable and short response…”It’s too expensive.”  Typically, insurance carriers are the primary recipients of blame for the high cost of health […]

Telehealth: Healthcare’s New Frontier

BY DAVID BOTTOMS, REBC, RHU, CLU, CHFCSENIOR VICE PRESIDENT, BENEFITS Published: May 2021 Cobb Business Journal Over the course of the past year, and by virtue of necessity given COVID-19, healthcare consumers have gotten a crash course in the use of telehealth platforms to engage with healthcare providers via virtual means.  During the early days […]

COVID-19’s Impact on Employees’ Insurance Preferences

BY DAVID BOTTOMS, REBC, RHU, CLU, CHFCSENIOR VICE PRESIDENT, BENEFITS Published: March 2021 Cobb Business Journal For decades, life insurance sales have been dwindling to the point that, according to a 2020 Limra survey, just over half of American adults reported having a life insurance policy down from 63% in its 2010 survey.  Early indications […]

Likely Healthcare Changes Under the Biden Administration

BY DAVID BOTTOMS, REBC, RHU, CLU, CHFCSENIOR VICE PRESIDENT, BENEFITS Published: February 2021 Cobb Business Journal With the January Senate runoffs behind us and Democratic control secured in the upper chamber of Congress, there is much speculation regarding what impact the new power dynamic in Washington will have in a variety of areas.  Given that […]

Unlocking the Potential of Health Savings Accounts

BY DAVID BOTTOMS, REBC, RHU, CLU, CHFCSENIOR VICE PRESIDENT, BENEFITS Published: January 2021 Cobb Business Journal As employers and individuals alike have attempted to maintain reasonably affordable health insurance coverage in the face of ever increasing health insurance premiums, it will come as a surprise to no one that deductibles and out-of-pocket maximum exposure have […]

The ACA Has Another Day in the Supreme Court

BY DAVID BOTTOMS, REBC, RHU, CLU, CHFCSENIOR VICE PRESIDENT, BENEFITS Published: December 2020 Cobb Business Journal The Affordable Care Act (ACA), originally signed into law on March 23, 2010, finds itself once again in front of the United States Supreme Court.  This time, the issue at question is whether the entire law should fall because […]