INSURICA Employee Benefits Insights

Keeping you ahead of the risks and challenges unique to your industry.

October 2022

According to Mercer, for 2023, 41% of employers plan to offer a low-deductible or no-deductible medical plan option, while 11% will provide an option for free coverage for employees for at least one medical plan.

Stethoscope on health insurance form indicating open enrollment for 2023.

Employers Look to Improve Health and Benefits Offerings Ahead of 2023 Open Enrollment

To attract and retain top talent, employers are increasingly offering improved health and benefits packages. A recent survey by Mercer found that more than two-thirds of employers plan to make changes to their health care and benefits offerings ahead of open enrollment for 2023.

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An African-American male engaging with peers via video conference call while doing remote work.

Could Looming Recession Endanger Remote Work?

The ability to work from home has been a lifeline for many during the COVID-19 pandemic, but some feel that a recession could jeopardize remote work. The coronavirus pandemic forced millions of American workers to do their jobs from home. It was a challenging adjustment for some, but overall, working remotely proved to be a lifesaver for many people who otherwise would have lost their jobs or had to take significant pay cuts.

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An eldery man, with his right leg in a cast, meets with a telerehabilitation doctor via video conference.

Virtual Physical Therapy: The Rise of Telerehabilitation

Healthcare experts predict that virtual physical therapy, or Telerehabilitation, of musculoskeletal conditions will become increasingly popular and will likely comprise a significant portion of telehealth services delivered in the future.

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Patient couple meeting with fertility doctor

Fertility Treatments Could Be Affected by State Abortion Bans

In states where abortion has been banned, fertility treatments could also be affected, even if unintentionally. If the wording of the abortion bans is not careful, it could make some fertility treatments illegal and make it more difficult for people to access them.

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  • Major Changes in HSA and HDHP for 2024: a person sitting at a desk with a calculator, pen and paper and laptop

Health Savings Accounts – Who is Eligible?

September 26th, 2023|0 Comments

Only eligible individuals can establish HSAs and make contributions (or have them made on their behalf). An individual’s eligibility for HSA contributions is typically determined monthly as of the first day of the month.

  • A department lead going over paperwork with a fellow construction colleague. The review of return-to-work policies help prevent medical mismanagement.

Is Your In-House Medical Program Exposing You to OSHA Citations?

August 24th, 2023|Comments Off on Is Your In-House Medical Program Exposing You to OSHA Citations?

The Occupational Safety and Health Administration (OSHA) is devoting more attention to scrutinizing employers' in-house medical programs for general duty clause violations related to alleged medical mismanagement of injured workers. With medical mismanagement claims on the rise, now is the time for employers to thoroughly evaluate their onsite treatment programs and make changes to reduce the risk of citations.

  • Controversial Bills Target Employer Obligations: two colleagues sitting at a table reviewing legal documents.

Controversial Bills Target Employer Obligations

August 23rd, 2023|Comments Off on Controversial Bills Target Employer Obligations

A series of high-profile bills recently cleared a key Senate committee which could substantially impact employers' obligations regarding unions, pay equity, and paid leave. The Senate Health, Education, Labor and Pensions (HELP) committee on June 21 advanced three bills — the Richard L. Trumka Protecting the Right to Organize (PRO) Act, the Paycheck Fairness Act and the Healthy Families Act. All three have companion legislation in the House.