The Forefront

2021 Volume #4 | Vaccine or Not?


A recent announcement that the Pfizer vaccine now has full FDA approval has shored up the case for requiring employees to get vaccinated. But it’s still far from an easy decision. Employers need to provide a safe workplace but they don’t want to alienate employees, especially in today’s volatile work labor market. A Mercer Survey […]


2021 Volume #3 | A New Employer-Paid Group Hospital Program


  A New Employer-Paid Group Hospital Program   Employer-paid group hospital insurance programs are on the way. Insured employees receive a lump sum benefit if they are hospitalized, which can be used to cover deductibles, coinsurance, and other out-of-pocket costs. Plans will be scalable and can provide employees $500 to $5,000 to help defray unexpected hospital […]


2021 Volume #2 – The Setting For Every Community Up For Retirement Enhancement Act (SECURE)


The SECURE Act has made big changes to retirement plans in the way distributions are handled. Two of the biggest changes are: Required Minimum Distributions (RMDs) and elimination of Stretch IRAs for most beneficiaries.   Under the old law, participants were required to begin taking RMDs at 70.5. Now, the age at which RMDs are […]


2021 Volume #1 | Insulin Cost Saver


Insulin prices have been a particular concern over the past 10 years. Over this period of time, a top selling long acting-insulin rose from $119.70 to $334.30 – a 184% increase. In 2015, the manufacturer of Lantus was about to lose patent protection. The 2018 list price for Toujeo was $446.67.   This is an […]


2020 Volume #4 – ObamaCare and More


The Galen Institute’s Brian Blasé pointed out last month that the Affordable Care Act is on track to cost taxpayers $1.8 million over the next decade, and too much of that goes to pay insurance companies for “healthy enrollees who need massive subsidies to afford the coverage that the ACA made much more expansive”.   […]


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