Insights

Has your company ever received a purchase order or had a client sign a contract without you having first revealing your price, or the rate you charge? Would anyone purchase “widgets” from your company without knowing the unit cost of each, shipping costs, or all...

On April 15, United States Senator Jeff Merkley, D-Oregon, with 12 Democrat co-authors, introduced the Choose Medicare Act.  Sen. Merkley said this act is about “…legislation that would give every individual who is not already eligible for Medicaid or Medicare the opportunity to enroll in...

Prior to COVID-19, the average family group health insurance premium was $20,576.[i] Minnesota health insurance companies, on average, were projecting a 6.9 percent rate increase. This would increase family health insurance cost to about $22,000 – if COVID-19 had not happened.Analyzing the insurance companies’ 12-month...

Imagine that your car pulls up to an intersection and the light is red. As you wait for the green light you notice there is a primary care medical clinic on each of the four corners and you are new in town. You need to...

Elections always effect our businesses, and employers should pay close attention.The Trump Administration worked to rescind and rewrite a good deal of the Affordable Care Act era regulations and tweak the law wherever it could. Trump’s Departments of Labor and Health and Human Services also...

Some legislators and members of Congress are proposing a new health plan that could cut your premiums in half. They hear you asking for help!In 2020, the average annual cost of a family health insurance plan provided by an employer reached $20,576, according to Kaiser...

Pete suffered a heart attack and received care at a Minnesota hospital. Weeks later, the hospital demanded he pay almost $55,000 out of his own pocket for their services—the portion his health insurance didn’t pay. Surprise!Congress did something good about surprise billings. The new changes...

Employers are just beginning to learn about a Flexible Spending Account (FSA) provision in the new Covid-19 relief law from which their employees might benefit. Few people know of all the provisions in the 2124-page bill. Most Americans only paid attention to the individual stimulus...

We all see that COVID-19 is affecting us in multiple ways. Every day, our media gives us cumulative COVID-19 test results – total cases and infections, number of hospitalized individuals and of course, deaths. COVID-19 weighs heavily on employers who are at the same time,...

Alongside the usual business challenges, employers in 2021 must consider added uncertainties created by Covid-19, political and social unrest. Yet, rather than seeing these as threats to a business, employers can find in them new opportunities to create a positive work environment that signals stability...