Letter to My Clients About Insurance Industry Delays

Dear Clients: The health insurance industry is overwhelmed. Industry experts estimate that 80% of all small groups renewed their insurance coverage in the 4th quarter of 2015, and most of those renewals occurred on December…

Obamacare Costs Prompt Menu Surcharges, Price Hikes and No Tipping Policy at 3 O.C. Restaurants

Amy Evans, president of Colibri Insurance Services in Sherman Oaks, said it is challenging for businesses offering insurance for the first time to predict their costs. “It’s a tough spot for a business owner to…

The ERISA-Compliant Plan Document – Do You Need One? (Yes)

ERISA is a federal law that deals with employee benefit plans, including group health insurance. Among other things, ERISA law defines the way in which benefit plan information must be shared with plan participants (employees)….

What Does the 2016 Small Group Expansion Mean for Groups with 51-100 Employees?

In 2016, the Affordable Care Act will expand the small group health insurance market (currently groups with 1-50 employees) to include groups with 51-100 employees. This expansion is intended to make health insurance more affordable…

Why Zenefits Scares Me (It’s Not What You Think)

I recently decided to leave my position as Vice President at a national insurance agency and start my own agency, providing employee benefits to companies with up to 100 employees. When I left the corporate…