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Employee Benefit News for School, City and County Employers

David Branback

David Branback, Director with NIS (National Insurance Services), has worked with over 212 public sector organizations and is considered an expert in health insurance solutions using Health Reimbursement Arrangements (HRAs) and GASB 43 OPEB Trusts. David has helped execute over 447 public sector employer plans in 7 states. He was the first to implement HRA plans in the state of Wisconsin beginning in 2002. With his prior 28 years experience in public education including school finance, David designs solutions with employers in mind. His solutions have features that allow flexibility during negotiations that address both the employer’s and the bargaining unit’s interests. David is a licensed insurance agent and registered financial representative with Series 6, 63 and 65 securities licenses. He often speaks at national, state and regional conferences about his innovative solutions for schools and other governmental organizations.

Recent Articles by David Branback

Do you offer your early retirees the option of continuing on your health insurance plan? Don’t make this mistake!

Many schools, cities and counties offer early retirees the option to continue on their group health insurance plan. They may also consider using a High Deductible Health Plan with an HSA (Health...

How HRAs Affect Health Insurance Premium Tax Credits for Early Retirees

Many school, city and county employers are providing HRAs (Health Reimbursement Arrangements) to their early retirees to help them pay for eligible medical expenses and health insurance premiums...

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Retiree Health Insurance Interview Series, Part 3: The Long-Term Transition to HRAs for School Districts and Early Retirees

February 18, 2014 by Trent Teesdale and David Branback

Keeping early retirees on the school district’s group health plans can be expensive for the retiree, the district and consequently, current...

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Retiree Health Insurance Interview Series, Part 3: The Long-Term Transition to HRAs for School Districts and Early Retirees

Keeping early retirees on the school district’s group health plans can be expensive for the retiree, the district and consequently, current employees (overall premiums increase with retirees as...

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ACA Impact on HRAs for Rehired Employees

The ever-changing nature of Health Care reform has left many employers with more questions than answers. One of the most significant questions facing our clients today is how their rehired retirees...

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Groom Law Group Publishes Helpful ACA Chart on HRAs, FSAs, Cafeteria Plans and EAPs

Groom Law Group released a memo on October 18, 2013 summarizing the September Treasury Notice regarding Health Reimbursement Arrangements (HRAs), cafeteria plans, Flexible Spending Accounts (FSAs)...

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What to do about re-hired retirees

As January 1, 2014 quickly approaches, there are many aspects of healthcare reform to consider. One of the major concerns facing employers today, especially governmental employers, is the issue of...

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ACA Updates Nondiscrimination Rules for Wellness Programs

School districts and other governmental organizations that implement wellness programs for teachers and other employees know they are an excellent way to decrease Health Insurance costs. When...

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Back to School! Educating Employees about the Affordable Care Act (ACA)

Sample Health Care Reform Employee Communication for School Districts

Although many of the ACA provisions don’t go into effect until January 1, 2014, many school districts may discuss their new...

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Healthcare Reform: Look Back and Look Forward

Like a river meandering through the countryside, healthcare reform has been full of twists and turns. This article takes a look at what has been implemented so far as well as future mandates and...