Learn the steps needed to transition to the consumer-driven health plan that works best for your company.
If you are like most people involved with benefits, you receive your health insurance renewal and then try and figure out a way to make the increase as little as possible. In many cases, we look at the new health savings account compatible plans (get a quote) and then say the premium savings is not enough to change. The problem with this thought process is that we expect a consumer-driven health plan to be a magic bullet. Until consumers start to understand what health care costs and change their use of care, we will be in a never ending spiral of increasing premiums. How do we change this? We have to change the way people pay for and think about their health care. Changing someone’s behavior takes time. Smokers can’t stop smoking and dieters fail more than they are successful for this very reason. It is difficult to change. Until there is a way to more effectively change a consumer’s behavior, people will always opt for the co-pay.
To make things more complicated, health care reform added layers of complexity to the decision making process. Republican proposals to replace health care reform call for expanded use of HSAs. The new environment and how consumer-driven health plans fit within it. will be described. There are many non-insurance tools that are available to aid in benefit plan design and to aid in this transition. From health reimbursement arrangements and flexible spending accounts to the newest health savings accounts, the rules and eligibility criteria of these plans differ depending on the tax filing status of the business and the owners.
Agenda
Faculty
John C. Garner, CEBS, CLU, CFCI, CMC, GBA, RPA
Bolton & Company
- Chief compliance officer for Bolton & Company, one of the 100 largest insurance brokers in the country
- Specializes in group life, health and disability benefits
- Wrote the Health Insurance Answer Book, edited Self-Funding Health Benefit Plans, co-wrote the Medical/Disability Claims Handbook and wrote dozens of articles, including an award-winning article in the Journal of Financial Service Professionals on using HRAs and HSAs to control health care costs
- National Legislative and Government Affairs advisor for the Disability Management Employer Coalition
- Past president of the Western Claim Conference and the Los Angeles Chapter of the International Society of Certified Employee Benefit Specialists (ISCEBS), Employee Benefit Planning Association of Southern California and the Los Angeles Life and Accident Claim Association
- Past member of the Governing Council of the ISCEBS and a past chair of the CEBS committee of the International Foundation of Employee Benefit Plans, the committee with academic oversight of the CEBS program
- Graduate, Occidental College
- Can be contacted at 626-535-1446 and [email protected]
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