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The delay of the ACA’s employer mandate until 2015 offers employers one additional year to evaluate all new opportunities and new risk exposures, including a comprehensive demographic analysis of eligible, but not currently enrolled employees, spousal coverage options and projected employee subsidy eligibility. Join Paul Catania, Oswald Senior Vice President,…

CLEVELAND – Feb. 25, 2014 – Oswald Companies has announced the appointment of John Fasola to the position of Senior Vice President, Director of Employee Benefits. In his position, Fasola will be responsible for leading Oswald’s highly recognized Employee Benefits and Health Management Services Division. “We proudly welcome John to…

The Affordable Care Act strives to give the public ownership of their health insurance decisions. What we’re seeing in our market, and throughout the country, is the natural increase in the desire of individuals to “understand” and to be better actual consumers. As a result, hospitals are seeing more price-based…

If you’re confused with the IRS rules surrounding “who is an employee” and “who is a contractor,” you are not alone. Temp agencies, retail businesses, transportation companies and other businesses that are seasonal in nature seem to be the most affected by this. However, many transportation and service industries had…

Join Oswald this Thursday, November 14 at 2:00 pm Eastern Time for an overview of how the Affordable Care Act increases the exposure to large claims, how to evaluate your risks and alternatives to conventional funding. Mandated changes from Affordable Care Act which must be made for all group medical…

CLEVELAND – September 3, 2013 – Oswald – one of the largest independently-owned insurance brokerages in the U.S. – is proud to be a sponsor of the first annual WKYC Health and Wellness Expo at the new Cleveland Convention Center. The expo, a free public event, will take place Saturday,…

With all of the constant incoming news on the accessibility of the insurance exchanges, many questions have surfaced. Will they (or won’t they) be ready? What will the costs be? What will the plans look like? It has stirred some debate among HR professionals as to whether this will serve…

Earlier this month, the State of Ohio Department of Insurance released information on the pricing of the proposed rates for the 14 companies that have filed for the 2014 Federal Exchange in Ohio. It states that “insurers expect the cost to cover health care expenses for consumers will significantly increase.”…

While it has received little press to this point, it is important to note that the Strategic Enforcement Plan that the U.S. Equal Opportunity Commission (EEOC) approved on December 17, 2012, will have an effect on how you conduct business. Why is this important news today? Results of this ‘plan’…

Onsite Health Clinics are not just for the jumbo employers any more. Anticipating shortages in primary care, and frustrated with the cost and quality of care available, companies of all sizes are taking primary care in-house. Employers are also expanding the scope of their clinic services, finding many ways to…