Why Buy Group Health Insurance through a Broker?
Employers have a lot of choices when it comes to buying group health insurance, including going directly to a carrier (or one of its agents), buying online, or going through […]
IRS Provides Additional Details on Premium Payment Arrangements
The regulatory agencies have recently issued guidance that may affect employers that have been reimbursing premiums for individual health coverage or Medicare Part B, Part D or Medigap premiums for […]
Highlights of Employer and Insurer Reporting Requirements
The Patient Protection and Affordable Care Act (PPACA) provides that individuals who do not have minimum essential (basic medical) coverage will owe a penalty unless they qualify for an exemption. […]
Will Health Insurance Soon Become Health Memberships?
With the passage of the Patient Protection and Affordable Care Act (PPACA), we saw a number of hospitals and provider groups being bought and merged with larger provider groups. This […]
IRS Releases Information and Forms for Satisfying the Individual Mandate and Claiming 2014 Premium Tax Credits
Although employers are not required to offer coverage during 2014, individuals are generally required to have health coverage during 2014 and must report on that coverage through their 2014 federal […]
Top 5 Questions About The “Cadillac” Tax
The excise tax on high cost plans (also referred to as the Cadillac tax and the 4980I tax) is scheduled to take effect in 2018. To date, regulations have not […]
Proposed Changes to Summary of Benefits and Coverage (SBC)
The Department of Labor (DOL), the Department of Health and Human Services (HHS), and the Internal Revenue Service (IRS) have issued proposed regulations that would update the summary of benefits and coverage […]
Innovative Principal Speaks at Federal Reserve Bank
On Tuesday, January 13th Innovative’s Principal, Mark Sulpizio, was invited to participate at the Entrepreneurs’ Forum of Greater Philadelphia event at The Federal Reserve Bank of Philadelphia. Mark was featured […]
Innovative Investment Fiduciaries Presents to HR Association
On Thursday, January 8th, Innovative’s Matthew Bernstein, Retirement Plan Consultant, and Mark Sulpizio, Managing Partner, were asked to speak at the Greater Princeton Human Resources Association’s (GPHRA) monthly meeting in […]
Employees Just Don’t Understand…
Or are employers just not communicating effectively? In 2015, most organizations have employees that include Baby Boomers, Generation X, Generation Y, and Millennials. Each of these generations is different in […]
