BenefitsPRO Magazine-March 2015

Issue Gallery ›

  • Self-Funding: Stop Loss? Not Exactly

    Bill Ford

    Strictly speaking, stop loss reinsurance is used by most self-insured employers to reduce exposure to loss with their health benefits.

  • Watch out for icebergs!

    Bonnie Brazzell and Gil Lowerre

    Some trends in the industry are obvious while others are more hiddenout of sight and under the surface.

  • Fight together, not against one another

    Kevin Trokey

    I believe the independent agency system and its producers have the potential, and need, to be a more significant contributor to client success than any other partner their clients have.

  • GOP unveils PPACA replacement

    Kathryn Mayer

    After years of criticizing the Patient Protection and Affordable Care Act, the GOP has unveiled an alternative plan to the controversial law that would scrap PPACA's mandates but still offer tax credits for those buying private insurance.

  • What I’ve learned (since PPACA)

    Susan L. Combs

    When PPACA started coming down the pike and some brokers started jumping ship for fear of falling commissions, I starting thinking: How are there ways to make more cash with little cost?

  • 10 worst states for 401(k)s

    Nick Thornton

    Slightly more than 16 percent of the 401(k)s plans in Arizona significantly underperformed an average benchmark, though the Grand Canyon State did see the largest year-over-year improvement.

  • Help savers put a spring in their step

    Christopher Carosa

    For all the talk about investment options as they pertain to 401(k) plans, beyond addressing the basics there's very little differentiation in the long-term impact of the choices.

  • Keep it simple, stupid

    Marty Traynor

    There are two fundamentally opposing points of view when it comes to the best design of voluntary products: CYTT and KISS.

  • UMB HSAs top $1 billion

    Kathryn Mayer

    UMB Healthcare Services said it has surpassed $1 billion in health savings account deposits and assets after growing 36 percent in the past year.

  • HR perspectives: On Hold

    Scott Wooldridge

    The recent decision by Coca-Cola to end voicemail services for landlines had the web abuzz for daysvoicemail is dead! But reports of voicemail's demise are probably exaggerated, at least for the foreseeable future.

  • Self-Funding: The Rise of self-funding

    Alan Goforth

    When Michael Turpin was a top insurance executive, he understood that the more comprehensive coverage his company sold customers, the more profit his business would make.

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