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Orange County, California Area United States

Owner

Finance / Banking / Insurance

Now that health reform is here to stay, the question for employers is; is it cheaper to pay the premiums for everyone, or to pay the penalty? I have a model which will provide employer specific costs to comply or pay the penalty. Most employers falsely assume they have limited to no power to control their cost of insurance. This is not true. In fact, the insurance industry has banked upon not being challenged in how they calculate a policyholders group health and workers compensation premiums. Both are highly negotiable, and both are not subject to any state (for Workers Compensation this applies to open rating states only) or federal mandated regulations which fixes the amount, or wa...