Focus Benefits Flash

Should you enroll for health insurance with a company that has declared they will be going out of business?

Recently, a company made up in part of insurance companies that helped create the modern U.S. major medical market, says it will stop taking applications for new individual major medical coverage, short-term health insurance and insured group coverage June 15. Continue reading

What is the best way to save thousands of dollars on Health Care Costs?

You need to stop insuring the small risks, start committing to being healthy, get a higher deductible, an HSA or similar plan and start saving money. You are throwing your money away if you are in love with your low co-pay and low deductible. Continue reading

Surfing with Sharks and Barracudas: Surviving an IRS or DOL Attack!

If you have an employee benefit plan (group insurance, 401K, etc) you are required to have documentation. At the very least you must have a corporate resolution stating intent to offer the benefits, plan outlines, and a summary plan document you have given to every employee. Continue reading