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Employee Benefit News for School, City and County Employers

Ken Zastrow

Ken Zastrow enjoys establishing a strong rapport with his clients. He believes that education is key in helping them understand their benefit plans. Ken has a strong background in both active and post-employment benefit strategies. As Employee Benefits Consultant at National Insurance Services, Ken is responsible for the overall assessment and management of all an employer’s benefit plans including claim reconciliation, policy changes, renewals, and medical and dental analytics. He is also well versed in compliance, benefit integration, and early retiree benefits. Ken is a licensed health and life insurance agent, working with schools, cities, and counties in the Midwest Region.

Recent Articles by Ken Zastrow

The Advantages and Disadvantages of ICHRAs

3 minute read

An individual coverage health reimbursement arrangement (ICHRA) is an employer-funded healthcare account that provides an alternative to traditional group health plans. Employers can...


Drug Prices Increasing in January

1 minute read

Several pharmaceutical companies plan to raise prices on over 500 drugs in January, including 140 brands. Companies say that high inflation and supply chain concerns in the Middle East...

SECURE 2.0 Guidance Issued

1.5 minute read

The IRS issued Notice 2024-2 which gives guidance regarding the “SECURE 2.0” Act. SECURE 2.0 is part of the Consolidated Appropriations Act of 2023 which was signed in December of...

Employee Benefit Plan Limits for 2024

1 minute read

Many employee benefits are subject to annual dollar limits which are adjusted for inflation by the IRS each year. Many limits will increase for 2024.

2024 PCORI Fee

1 minute read

The IRS issuedNotice 2023-70, which increases the fee for plan years ending on or after October 1, 2023, and before October 1, 2024, to $3.22 multiplied by the average number of lives...

ICHRA Use Increasing

1 minute read

In 2023, U.S. employers’ adoption of individual coverage health reimbursement arrangements (ICHRAs) increased by 64%, according to a HRA Council report. An ICHRA allows employers to...

Guidance Revised for Medicare Drug Price Negotiation Program

1 minute read

As part of the Inflation Reduction Act, Medicare will soon be able to directly negotiate covered prescription drug prices (Part B and Part D). The Centers for Medicare and Medicaid...

HSA and HDHP Limits Increase for 2024

1 minute read

The IRS recently announced the inflation-adjusted contribution limits for health savings accounts (HSAs) and high deductible health plans (HDHPs) will increase for 2024.

Retirees and Post-retirement Medicare Costs

1 minute read

An Employee Benefit Research Institute study found that retirees will need to save hundreds of thousands of dollars to cover Medicare costs. These costs include prescription drugs,...


IRS Electronic Filing Requirement Expanded

1 minute read

The IRS released a final rule which expands the requirement to file certain information electronically. This includes the Affordable Care Act’s (ACA) reporting requirements under...