Why Private Health Insurance Exchanges are so popular? Technology Articles | December 19 nike air force 1 high ár , 2012 The Affordable Care Act of 2010 with its healthcare reform and introduction of health insurance exchanges has brought defined contribution health plans into focus.
With the private insurers set to offer defined contribution health plans through their private health insurance exchanges, there has been a growing interest in the defined contribution model in place of the traditionally offered defined benefit plans.
Defined contribution (DC) health plans allow employers to limit their healthcare expenses by providing fixed-dollar contributions to employees that employees can use to purchase individual health coverage policies. Private health exchanges with their DC plan models enable businesses to cap their healthcare costs and grant employees increased control over their health insurance benefits and costs.
There is still not much clarity on the public exchange implementation plans of most of the U.S. states. The uncertainties revolving around the availability of a local state exchange and other factors such as ignorance about federal health exchanges may drive several employers to private health insurance exchanges.
The Affordable Care Act mandates large employers to provide employer-sponsored health coverage to their employees and if such employers fail to provide employer-sponsored coverage to their employees, they are likely to incur a $2,000-per worker federal penalty. Private health insurance exchanges therefore serve as viable alternative for large employers to provide employer-sponsored health insurance to employees.
Shifting the health plan costing model to a defined contribution from the erstwhile defined benefit model helps employers predict their healthcare costs. Businesses can also limit the amount of dollars that they need to offer under employee-only coverage model which helps employers in optimizing their healthcare budgets.
Opting for private health insurance exchanges for offering health insurance to employees can help employers curb their administrative costs. With the private health exchanges, employers need not spend excessive resources for processes such as determining employees and their dependents eligibility for health plans nike air force 1 low női , enrolling employees, selecting benefits for each employee etc. Another added of offering defined contribution plans and directing consumers to private exchanges to select own health benefits helps improve worker satisfaction. With private exchanges, workers would get more control over their health insurance coverage and may not require changing their health plans when they switch jobs if both the old and the new employer participate in the same exchange. Such portability of health coverage reduces a lot of administrative burden not only for the employer but also for the workers.
With so many visible advantages of participating in private health insurance exchanges and with the uncertainties clouding over the health insurance exchanges, employers are likely to switch to defined contribution plan models to manage rising healthcare costs and increasing worker satisfaction with their health plans. A trend that is expected to continue well into the next year. Article Tags: Private Health Insurance, Health Insurance Exchanges nike air force 1 mid olcsón , Private Health, Health Insurance, Insurance Exchanges, Defined Contribution, Health Plans nike air force one olcsón , Health Coverage, Health Exchanges, Healthcare Costs, Provide Employer-sponsored
An AdMan ? Poacher turned Gamekeeper? ? Not in a million years! Marketing Articles | April 26, 2007
But hey?would you really like to have a laugh? He had the great chutzpha to go on to say "Because without it adidas superstar 80s ár , the Clients will be left in the dark, or someone else is going to do it. The ultimate test of a service model, which is what agencies are, is how do you prove your value in the marketplace?"
The fact of the matter is, is that Clients have been left in the dark ever since advertising started adidas superstar supercolor rendelés , it is only now that Agencies, seeing the future, and seeing that the future does not include them are now starting to feel very afraid.
I never cease to be amazed at Advertising People and their chutzpah! Recently Interpublic CEO, Michael Roth, speaking at a AAAA Management Conference had something completely nonsensical to say about the current hot topic of accountability.
Among other things he praised Adlands currently fashionable mantra of 'Accountability'.
Which made me burst out laughing. Accountability and Advertising? ? Ain't no such beast?never has been?never will be!
Among other things adidas superstar foundation ár , he said "Learning which types of marketing work and why, has become more complicated in an era of proliferating media channels and rapid changes in consumer behaviour".
Notice anything strange about that statement? Well, consider this, there is no doubt that clutter is one of the prime reasons (here I hasten to say that there are many more), why there is an inability to be accountable. And who benefits from clutter? adidas superstar rendelés , why the advertising agencies themselves, so they are never going to address that little problem.
But there you go again, the Poacher has struck yet again, setting up the excuses they will be using to justify the total lack of accountability in Adland!
The only accountability we are aware of is "50% of my advertising is wasted but I don't know which 50%". ? Except that we figure that it is more like 90% wasted!
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