American Society of Employers

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Health Insurance Premiums Expected to Rise 6% in 2023

23 August 2022

Health Insurance Premiums Expected to Rise 6% in 2023

Author: Kevin Marrs

ASE released its 2022 Healthcare Insurance Benefits Survey.  The annual survey, covering Michigan employers, examines the premiums, deductibles, and co-pays of employer-sponsored health plans as well as wellness benefits and cost control strategies.

 

Roe v Wade is Overturned, Now What?

28 June 2022

Roe v Wade is Overturned, Now What?

Author: Anthony Kaylin

Last Friday, the Supreme Court overturned the constitutional right to abortion decided in an earlier Supreme Court case in 1973 called Roe v. Wade. In that case, the U.S. Supreme Court struck down a Texas statute banning abortion, effectively legalizing the procedure across the United States. In Dobbs v. Jackson Women’s Health Organization, No. 19-1392 (June 24, 2022), the Supreme Court ruled that Mississippi could ban most abortions after 15 weeks of pregnancy, overturning Roe v. Wade.
If Roe v Wade is Overturned, Then What?

10 May 2022

If Roe v Wade is Overturned, Then What?

Author: Anthony Kaylin

For many employers, their healthcare benefits include access to pregnancy termination procedures, or abortions.  The right to abortions was decided in a 1973 case called Roe v. Wade. The case was controversial for multiple reasons, but the crux of it is that the U.S. Supreme Court struck down a Texas statute banning abortion, effectively legalizing the procedure across the United States. Before the decision, abortion had been illegal throughout much of the country forcing many women to...
Virtual Healthcare is on the Rise

12 April 2022

Virtual Healthcare is on the Rise

Author: Heather Nezich

Two years after the start of the COVID-19 pandemic, virtual care has become a standard healthcare option among today's companies. In fact, 93% of HR professionals said their organization offers access to virtual care, and about a third of them said their company had started to provide that care within the last two years.  In the most recent ASE Healthcare Insurance Benefits Survey, 63% of ASE survey respondents stated they offer telehealth benefits.

Consumer Directed Healthcare Plan Providers Deliver Telehealth Services

29 March 2022

Consumer Directed Healthcare Plan Providers Deliver Telehealth Services

Author: Jason Rowe

Nearly 180 million Americans have employer-provided health insurance coverage, and 40% of them are covered by a Consumer-Directed Health Plan (CDHP), which combine a high-deductible plan with a tax advantaged health savings account (HSA).

Employee Resilience is Dependent Upon Employer Support

6 October 2021

Employee Resilience is Dependent Upon Employer Support

Author: Heather Nezich

As the pandemic continues to unfold, the ability of employers to have a positive impact on employee health and resiliency cannot be understated according to a recent Mercer Survey, Health on Demand.

How to Have a Successful Open Enrollment – Communicate!

28 September 2021

How to Have a Successful Open Enrollment – Communicate!

Author: Linda Olejniczak

Typically, HR coordinates open enrollment communications for most organizations, but the communications department should play a vital role. If your employees don’t understand their options, it doesn’t matter how competitive the benefit packages are.  With remote workers and plenty of distractions in your employees’ daily lives, most employees are confused.  According to a recent Voya survey, 66% of workers want a better explanation of their benefits. ...
The Evolution of Benefit Programs – Health and Well-Being Efforts Rise

14 September 2021

The Evolution of Benefit Programs – Health and Well-Being Efforts Rise

Author: Jason Rowe

As businesses manage the ongoing impact of the COVID-19 pandemic, employers have increased their focus on creating benefit programs that address the evolving needs of their diverse workforces, especially mental/emotional health, work/life balance, and financial health. Moreover, 80% of employers report that diversity, equity, and inclusion influence their corporate well-being strategies. This is according to Fidelity Investments® and Business Group on Health’s Employer-Sponsored...
Treatment for COVID-19 May Result in Hefty Medical Bills for Employees as Insurance Companies Remove Waivers

31 August 2021

Treatment for COVID-19 May Result in Hefty Medical Bills for Employees as Insurance Companies Remove Waivers

Author: Kevin Marrs

It is no secret that the COVID-19 pandemic has strained our healthcare system.  Now as the pandemic enters a new resurgence in the United States and hospitalizations increase, employers and their employees might be in for a surprise: hefty medical bills.  
Should You Charge the Unvaccinated a Surcharge for Their Healthcare?

31 August 2021

Should You Charge the Unvaccinated a Surcharge for Their Healthcare?

Author: Anthony Kaylin

Recently Delta Airlines announced that it will charge employees on the company health plan a $200 per month additional charge if they fail to get vaccinated against COVID-19. 

Delta argues that the costs of hospital stays for COVID total, on average, about $40,000-$50,000 per incident thus driving up healthcare costs for all employees.

 
Re-entering Society and the Workplace – Lessons from NASA

8 June 2021

Re-entering Society and the Workplace – Lessons from NASA

Author: Heather Nezich

We’ve all lived like astronauts for the past year and a half – we’ve been physically isolated from family and friends, our home was also our workplace, and we were surrounded by an unsafe environment (COVID-19). Astronauts train for this, we have not.

2020 Healthcare Insurance Benefits Survey Results Released

29 September 2020

2020 Healthcare Insurance Benefits Survey Results Released

Author: Anonym

Organizations across the country have been forced to quickly adapt during the COVID-19 pandemic, and insurance benefits are one area to see significant modifications. The ASE 2020 Healthcare Insurance Benefits Survey details these changes by examining premiums, deductibles, and co-pays of employer-sponsored health plans among 174 Michigan employers. Wellness benefits and cost control strategies are also benchmarked.

The Supreme Court’s LGBTQ Decision Impacts Employer Sponsored Health Plans

30 June 2020

The Supreme Court’s LGBTQ Decision Impacts Employer Sponsored Health Plans

Author: Anthony Kaylin

Last month’s Bostock decision ruled that Title VII of the 1964 Civil Rights Act protects LGBTQ rights.  This decision has a number of subtle impacts that employers need to be cognizant of, including compensation and by extension employer sponsored health plans.

Under the Radar Benefit Change: Employees Making Mid-Year Health Insurance Changes

26 May 2020

Under the Radar Benefit Change: Employees Making Mid-Year Health Insurance Changes

Author: Anthony Kaylin

The Internal Revenue Service (IRS) made it easier for employees to make mid-year changes to their health insurance coverage for 2020 during the Coronavirus pandemic. Notice 20-29 allows employers to amend their healthcare plans so employees can now make mid-year changes that would be in effect for the rest of the year. For instance, an employee who declined coverage could enroll in a plan, and current enrollees could change plans or add or drop family members.  Prior to this notice,...

9 October 2018

Could the Future of Healthcare be Referenced Based Pricing Programs?

Author: Anthony Kaylin

With health care costs growing more than two times the rate of inflation consistently over the years, and employers growing weary of increasing deductibles and cost shares, an old idea has resurfaced for employers:  Referenced Based Pricing (RBP) programs.  Under Obamacare, the transparency of costs among providers has become more commonplace, thereby enabling these types of programs.

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