While, overall, immigrants have a higher uninsured rate and face greater access barriers relative to U.S.-born residents, the findings in a June 2009 report from the Kaiser Commission on Medicaid and the Uninsured, suggest that many immigrants eventually gain insurance and improved access to health care as they acquire language and job skills, improve their economic situation, and become more familiar with the U.S. health care system. Recent immigrants are most at risk for lacking coverage and facing access problems. As such, addressing the coverage and access barriers facing recent immigrants will be key to any effort to reduce overall disparities between immigrants and U.S.-born residents.

All employer group health insurance policies are not the same. Health insurance is issued differently for different types of employers because insurance is regulated at the state level. The laws about how coverage can be issued to large groups, 51 or more employees, are different than for small groups, 50 or less. Premium rates are also determined differently for different types of businesses. Because of the state level regulation rates and premiums can vary widely on a state-by-state basis.

The future success or your business may heavily rely on a key employee that contributes to the business in a variety of ways. How do you keep these employees committed? An executive bonus plan can use deductible business dollars to fund an individually owned owner or key employee life insurance policy. The employee controls the policy, including cash values, which can be used for supplemental retirement income or to provide an income-tax free death benefit.