Pandemic Advice from DOL, IRS, and OIC

Government response to the Coronavirus has included a wide range of emergency measures governing health plan administration. Some of these measures address dislocations caused by sudden change in employment status while others address administration of benefits for employees marooned at home. The fast pace of change wrecks the predictability required for health care benefits tied…

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Insurance Fundamentals

It’s been a tough few years for health insurance professionals. But, it’s been toughest on families and small businesses. Regulatory and political confusion grows with each passing day. Another mother with a sick child wilts from the double-talk, back-tracking, and double-cross – and that’s just her health plan. She must still suffer the hollow promise…

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Is free HR software an illegal inducement to buy insurance?

In December, the Washington State Insurance Commissioner ordered Zenefits to charge a market price for “use of its online, cloud-based, software platform that integrates the administration of human resources, payroll, and employee benefits.”  The Commissioner found that “free access to valuable software functions” constituted an illegal inducement to purchase insurance. Competing insurance brokers complained to the Commissioner that Zenefits’…

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