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Employee Benefit News for School, City and County Employers

Steve Smith

Steve Smith, Employee Benefits Consultant for National Insurance Services, has his energy level permanently set at “high.” His maxim is “work hard, play hard.” Steve’s an expert in getting groups of people working together for a higher cause. Minnesota schools, cities, and counties rely on Steve’s unique and creative ideas of engaging employees in their own health and wellness to lower utilization trends. He has 20+ years in the health insurance field doing compliance, cost mitigation, utilization, analytics, wellness plans, and strategic planning. Steve is a licensed insurance agent and holds the designations for Managed Healthcare Professional (The Health Insurance Association of America), Certified Patient Protection and Affordable Care Act Professional (National Association of Health Underwriters), and Group Benefits Disability Specialist (Hartford School of Insurance). He specializes in Employee Benefits Consulting for Minnesota schools, cities, and counties including fully insured, self-insured, and stop-loss plans.

Recent Articles by Steve Smith


PCORI Fee Adjusted for 2022

1 minute read

The Internal Revenue Service issued Notice 2020-04, which increases PCORI fees for plan years ending on or after October 2021, and before October 1, 2022. This fee is imposed on...

Employee Benefit Plan Limits for 2022

2 minute read

Many employee benefits are subject to annual dollar limits which are periodically updated for inflation by the IRS. Most of the limits will increase, although some limits remain the...

Final Forms for 2021 ACA Reporting

2 minute read

The Internal Revenue Service (IRS) has released the final forms for 2021 reporting under Sections 6055 and 6056.

2022 ACA Compliance Checklist

3 minute read

Public sector organizations with group health plans should be aware of changes to Affordable Care Act (ACA) requirements that take effect in 2022.

The HIPAA Privacy Rule and COVID-19 Vaccine Inquiries

1.5 minute read

The Department of Health and Human Services issued FAQs on the application of the HIPAA Privacy Rule regarding the COVID-19 vaccine and the workplace.


Broker Compensation Disclosure Rule

1.5 minute read

Beginning December 27, 2021, as part of the Consolidated Appropriations Act (CAA), covered service providers (CSPs) like insurance brokers and consultants must disclose all...

Strategies for Reducing Health Benefits Costs in 2022

3.5 minute read

Health costs have increased steadily year after year. PricewaterhouseCoopers (PwC) reports that medical costs are projected to increase 6.5% in 2022. So, it’s no surprise that...

OSHA Not Amending Healthcare ETS

1 minute read

OSHA will not make changes to its healthcare emergency temporary standard (ETS) after the CDC reversed its face mask guidance. The CDC recommends that fully vaccinated individuals...

Mental Health Employee Benefit Trends for 2021

3.5 minute read

Since the start of the pandemic, many Americans have reported an increase in anxiety, depression, and thoughts of suicide. Before the pandemic, 5% of employed workers reported poor...

Final Notice of ACA Benefit & Payment Parameters for 2022

1 minute read

The Department of Health and Human Services released its second Notice of Benefit and Payment Parameters (NBPP) for 2022 which finalized the remainder of the standards included in...