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Employee Benefit News for School, City and County Employers

Steve Smith

Steve Smith is a powerhouse of energy, living by the mantra "work hard, play hard." As an expert in uniting teams for a greater purpose, Steve's innovative and creative strategies in employee health and wellness are game-changers. With over 25 years of expertise in health insurance, covering compliance, cost mitigation, utilization, analytics, wellness plans, and strategic planning, Steve is the go-to expert for driving down utilization trends and fostering a culture of well-being. His clients trust him to deliver exceptional results, making him an invaluable asset in the industry. As an Employee Benefits Consultant, Steve specializes in health care consulting for Minnesota public sector organizations including fully insured, self-insured, and stop-loss plans. 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).

Recent Articles by Steve Smith

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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...

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Restructuring Retiree Benefits

Article 2 in the ACA Cost Mitigation series

Faced with limited resources, school districts and other local governmental employers must look for new opportunities to save on health benefits due to...

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Hour Management Considerations

Article 1 in the ACA Cost Mitigation series

In a recent survey by Zywave, 59.4% of employers surveyed said they are concerned about offering affordable health care coverage to all full-time...

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ACA & Collective Bargaining: What public sector employers need to know

Many group Health Insurance plans subject to collective bargaining agreements are grandfathered under Affordable Care Act (ACA).

What does “grandfathered” mean? Your plan is considered a...

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Determine Your PPACA Compliance Deadline for Fiscal Year (Non-Calendar) Health Plan

In January of 2013, the Department of Labor announced “transition relief” for employers with non-calendar fiscal year health plans. This is welcome news to many school districts and other local...

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New Safe Harbors for Determining Affordability

The “affordability” of Health Insurance coverage offered by a large employer (50 or more employees) is a key point in complying with PPACA mandates. The IRS recently issued a notice confirming two...

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How to Avoid PPACA Penalties on Retiree Health Insurance

In our last issue of PPACA Watch newsletter, we brought you information about non-discrimination rules that may soon come into play. The new rules extend legislation that prohibited self-funded plans...

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Non-discrimination requirements and how they affect employers

About the non-discrimination rulesAs more elements of the healthcare reform law come into play this year, school districts and other local government employers should understand how they're affected...