All Tweets are not created equal

Posted Leave a commentPosted in Employee Benefits, Health Insurance

My top tweet @tonynovak this month got 60% of all impressions. the #2 had 15%, the next four most popular got about 5% each, leaving only 5% total for the many other tweets.  I see that cross-posting a popular tweet into other conversations boosts it further. The hot topic: health care reform of course. My […]

Retirement saving basics for small businesses

Posted Leave a commentPosted in Employee Benefits, Retirement

Most working people today say that they expect to continue working past age 65. Yet the real world statistics tell a different story. At least half of us end our working career sooner than we expected, usually for medical reasons. My two related comments to small business owners are: It is simple and inexpensive to […]

Features of Freedom Benefits Small Business Benefit Plan 2018

Posted Leave a commentPosted in Employee Benefits, Small Business

The new 2018 Small Business Employee Benefit Plan, available now, includes more features and options than ever before to allow your small business to offer big company benefits. Features include: ·       Easy, fast and inexpensive ·       Allows for inclusion of a Health Reimbursement Arrangement (HRA), Health Savings Account (HSA), Flexible Spending Account(FSA), dependent care plan, […]

New small business employee benefit plan

Posted Leave a commentPosted in Employee Benefits, Small Business

I am pleased to introduce Freedom Benefits’ new small business flexible consumer driven employee benefit plan for 2018. Three new features are incorporated immediately: 1) Increased opportunities to waive the setup and advisory fees by working through an affiliate accountant or agent, 2) increased range of insurance options to include non-ACA compliant health insurance, and […]

Taxation of health insurance

Posted 1 CommentPosted in Affordable Care Act, Employee Benefits, Health Insurance

This article was originally published in 2003 and has been revised multiple times; most recently to reflect changes triggered by the American Cures Act of 2016. At the time of this latest revision, it appears possible that we may see still more last-minute tweaks in health insurance tax law for 2018. Until recently, the tax-favored […]

Small Business Payroll Services

Posted Leave a commentPosted in Accounting, Employee Benefits, payroll, Small Business

I see plenty of room for improvement is small business payroll processing. About 2 in 5 of all small businesses eventually wind up with problems and penalties due to payroll tax errors. The issue can usually be avoided by ensuring that service is provided by a reputable payroll service that is supervised by a responsible […]

Health plans for New Jersey Farmers

Posted Leave a commentPosted in Affordable Care Act, Employee Benefits, Farming, Health Insurance, New Jersey

This is a pre-publication draft of an article intended for print media. New Jersey’s farmers have it tough when it comes to negotiating a path through health care reform. New Jersey insurance markets have been expensive, compared to other states, since the 1990s.  Health plans for self-employed people provide in-network care only and this can […]

Financial planning under health care reform

Posted Leave a commentPosted in Affordable Care Act, Employee Benefits, Health Insurance

The health care news from Washington DC was disheartening this week. Key Republicans are bashing the president for his lack of understanding of basic health care concepts. One Republican Senator reportedly called the president “clueless” after a one-on-one meeting. Meanwhile the president touts himself as a health care policy expert. For the est of us, […]

Did the Republicans really win the health care reform battle?

Posted 1 CommentPosted in Affordable Care Act, Employee Benefits, Health Insurance

A strong case can be made that the Republicans have already essentially accomplished much their agenda with regard to health care reform. If we look at what is really happening on ‘Main Street’ and not in DC and ignoring how the law is supposed to work we see: No enforcement against businesses for ACA requirements […]

Winners and losers under Trumpcare

Posted 1 CommentPosted in Affordable Care Act, Employee Benefits, Health Insurance

Who gains and who loses under the “World’s Greatest Healthcare Plan of 2017“? This is my checklist so far: Winners Upper income people under age 50 who will benefit more from the new tax credit Healthy people who do not believe that they should be required to buy insurance because the high premium cost pays for care […]