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The catch-22 associated with health insurance — even with subsidies — is that the low-cost plans that most people can afford come with outrageously high deductibles, leaving the policyholder ...
According to a 2007 study, about 59% of employers at small firms (3–199 workers) in the US provide employee health insurance. The percentage of small firms offering coverage has been dropping steadily since 1999. The study notes that cost remains the main reason cited by small firms who do not offer health benefits. [82]
The Federal Employees Health Benefits (FEHB) Program is a system of "managed competition" through which employee health benefits are provided to civilian government employees and annuitants of the United States government. The government contributes 72% of the weighted average premium of all plans, not to exceed 75% of the premium for any one ...
The Pennsylvania Insurance Department is a cabinet-level agency in Pennsylvania, United States. It was founded in 1873 and has several main functions, including: [2] To audit insurance companies' finances; Issue licenses to insurance industry individuals and companies; Regulate insurance policies and rates
The NAIC is not a regulator; while its members are the insurance commissioners (i.e., the chief insurance regulators) of each U.S. state and six territories, [1] the NAIC is a non-governmental organization that concerns itself with insurance regulatory matters but does not actually regulate. The states have not delegated their regulatory ...
Employers who purchase health insurance through the program may get a tax credit of up to 50% of their premium contributions. The tax credit via Form 8941 is available only to businesses that meet certain standards. Firstly, employers have fewer than 25 employees. [8] Secondly, their employee salary must be less than an average of $50,000. [8]
WAEPA offers up to $1.5M in coverage, [12] as well as a Chronic Illness Rider, [13] Guaranteed Issue Group Term Life Insurance, [14] and Group Short-Term Disability Insurance [15] for new federal employees. Since 1996, WAEPA has refunded over $101 Million dollars in premiums to its members.
GEHA (Government Employees Health Association) is a self-insured, not-for-profit association providing medical and dental plans to federal employees and retirees and their families through the Federal Employees Health Benefits program and the Federal Employees Dental and Vision Insurance Program (FEDVIP).