Walter Ray Holt » Small Business

Tax-free compensation: Health care

administrator — Mon, 18 Apr 2011 17:41:11 +0000

When you’re due for a raise, ask your company to get creative in your compensation. There are numerous ways to receive nontaxable compensation. Let’s look at some of the best alternatives to taxable earned income. Any time you can convert taxable income into nontaxable income, you’ve given yourself a raise. And when both you and your company save money, it’s a win-win situation.

For example, health coverage. Health and hospitalization insurance premiums paid by your current or former employer are tax-free — a huge benefit. Let’s say your health insurance premiums come to $280 a month, or $3,360 a year (for an HMO policy for a family of four with a $1,500 deductible). If you’re in the 25% tax bracket and have to pick up the bill, the real cost to you would be $4,480. That’s $3,360 for the premiums and $1,120 for additional income taxes because you’ll be paying for the coverage in after-tax dollars. Having your company pick up the cost helps both of you. Your employer doesn’t have to pay the salary necessary to get you even, and it gets to write off the full cost of the coverage. Plus, neither of you has to pay the 7.65% payroll taxes on the premiums. And you, of course, boost your disposable income substantially.

By Jeff Schnepper, MSN Money

read full article or See Quotes for Group Health Plans

April 2010 – Update on the Health Care Reform

administrator — Wed, 28 Apr 2010 03:07:06 +0000

The new federal health care reform law may change how some consumers access health care and health care coverage. Kaiser Permanente is currently working to interpret and implement changes mandated by the new law in accordance with the schedule outlined by Congress. In some cases, like the coverage of adult children, the law calls for the benefit to be offered six months from the date the bill became law. Other provisions of the law will take effect in future years. In almost all cases, the government will need to put new regulations in place before we can make these changes.

Go to kp.org/reform to get detailed information about Kaiser Permanente’s principles and perspective on health care reform.

Kaiser Permanente Makes the Link Between Sustainability and Health

administrator — Wed, 28 Apr 2010 02:58:49 +0000

Kaiser Permanente’s commitment to responsible and sustainable construction practices is visible well before foundations are poured for new buildings. When workers demolish old structures, they separate for recycling metals, concrete, asphalt, and other materials. For example, 96 percent of the debris from the demolished buildings at the site of the new Oakland (Calif.) Medical Center was recycled and diverted from landfills.

Health Insurance Fresno

administrator — Sat, 20 Feb 2010 05:25:52 +0000

Group, Individual & Family Health Insurance and medical coverage for Residents of Fresno, CA

Selecting the best medical plan or health insurance is significant, not only to your physical health but also to your economic well-being. Walter Ray Holt Insurance Services provide a comprehensive assortment of health plan solutions to Fresno residents.

Types of California Health Insurance and healthcare plans we provide:

Individual Health Plans
Family Health Plans
Group Health Plans for Small Business Owners (2-50 employees)

Contact us today to get detailed information pertaining to health coverage, dental coverage and life insurance options for your Small Business; Find out more about healthcare professionals, pharmacies and insurance agents in Fresno; and Apply Online for individual & family health plans.

Fresno Health Insurance

administrator — Sun, 07 Feb 2010 00:40:57 +0000

Health Insurance Quotes for Fresno Small Businesses, Individuals & Families.

Paying too much for health insurance in Fresno? Request a quote today if you are looking for ways to reduce the cost of your health plan and keep the benefits you use the most? If you have not reviewed your business health insurance needs lately, it’s time to review your health plan and make sure you have adequate coverage. We offer health insurance quotes to our Small Business clients. Get Group Health Quotes.

Shopping for the right Fresno health insurance plan can be confusing, which is why we are here to help. As you may know, plans change over the course of weeks, even days. Individuals & families use our Plan Finder to get instant health insurance quotes, compare plans from multiple carriers, and apply online for health insurance.

We offer a broad range of health plans, varying costs, levels of health coverage, and accessibility to health care. These are important considerations for helping you identify which plan is right for you. We offer the lowest regulated rates on PPO, HMO and Indemnity Policies. Most importantly, we make it easy to choose a plan and apply online. No hassles, no waiting.

California Health Insurance Plans for Small Businesses

administrator — Sat, 06 Feb 2010 21:35:13 +0000

Every small business owner knows the importance of having adequate business insurance. Request a Group Proposal today!

Group health insurance for small businesses in California will provide benefits to both Employees and Employers. A group health plan is the core of an employee benefits package and is a valuable component of a total employee compensation package. It can help you hire and retain the best employees. There are tax incentives for businesses that provide health insurance and other employee benefits as part of their employee benefit package.

We provide your company with a dedicated Employee Benefits Specialist who is committed to advising you on the best health insurance carrier and plan(s) package at the right price. When you obtain your benefits through us, you’ll get more than just a health insurance plan, you’ll get an employee benefit partner. We are like an employee in your organization without being on your payroll.

Allow us to focus on what we do best so that you can focus your valuable time on what you do best, your business. The costs of plans through us are the same as you would pay if you went directly to the Carrier. We are compensated by the insurance carriers. However, unlike a carrier, we will inform you about other insurance provider plan options, underwriting negotiation opportunities and the many other facets of a group health plan purchase process and ongoing management processes.

Health insurance premiums are filed and regulated by the State of California Department of Insurance. Whether you buy from us, or directly from the health insurance company, you’ll pay the same monthly premium for the same plan. This means that you can enjoy the advantages and convenience of shopping and purchasing your health insurance plan through our website. Rest assured that you’re getting the best available value and price.