It’s Getting to be that time of year again when the eyes of private business people shift to the cost of providing Health Insurance for employees.

Does your organization carry any of these programs? Sure it does. Does your organization carry all these programs? There’s a very good chance. Does your organization have Employee Benefits Liability? You Have No Idea!

I bet you didn’t know that when you signed up for Beer League Softball this year?! When you are involved in any type of sports league, youth, adult, co-ed, etc there are two types of policies that you need, Commercial General Liability and Accident/Medical.

Regardless of my personal opinion on whether this bill will help the US as a whole in the long-term, it does provide valuable coverage to individuals that otherwise had none. I believe in the idea of Health Care Reform just not the practice of it, yet…

Today we will be discussing Health Reimbursement Accounts (The HRA). An HRA is an account owned and funded by a business or organization for the purpose of reimbursing the employees of that business or organization for qualified, out-of-pocket medical expenses.

With Health-care Reform held captive in Washington the American worker is waking up today to the same Health Insurance program he/she had yesterday, just paying more for it.

What I want you to take away from this article is that COST is the infection creating the American Health Care Crisis. A Public Health option does nothing to cure our Cost problem. With a Public Option, Health Insurance Premiums go down, Taxes go up…

Tort reform is not “The Answer” to the health care problem but to put your head in the sand like some legislators have on the issue is insanity. Most proponents of tort reform for medical malpractice believe (and this was echoed by President Obama in his speech last Wednesday) that fear of lawsuits drives doctors to perform unnecessary tests sometimes in redundancy in order to escape malpractice suits.

What advice can be offered when a national insurance broker like Aon is predicting 10 percent across the board increases in health insurance premiums?

The advice is NOT sit-back, auto-renew and wait for a Public Option. Because there is a very honest chance the Public Option never materializes.

High Deductible Health Plans (HDHP) and Health Savings Accounts (HSA) tend to scare the crap out of many employers.