White Papers

White Papers

Being well-advised will help simplify complicated choices
and improve the effectiveness of your benefit program

The health care and benefit landscape continues to be in a state of flux, challenging employers to look for more effective ways to control the costs of employer-sponsored health care coverage, stay compliant with changing regulations, recruit and retain quality employees, and administer their benefit and HR programs.

Many employers are struggling and confused because they don’t have the expertise, resources or the time to keep up with the changes taking place in today’s benefit marketplace. Employers who want to become more informed and confident in their benefit decisions should seek the advice of a qualified advisor.

Your UBA Partner Firm advisor can work with you to assess your benefit needs, prioritize your goals, introduce appropriate tools to reach your diversified workforce and be available to guide you through every step of the process. These knowledge resources reflect the experiences and research conducted by UBA Partner Firms and are intended to help employers better understand the challenges they face in real life situations.

Partner Case Studies

UBA Partners are continually bringing their entrepreneurial local solutions to UBA's national table proving that grassroots problem solving can produce some of the most powerful results. These resources feature the innovative solutions and expertise of our unique Partners.


Case Study: Successful Program Management Using Population Health Data

What if your CFO wants you to control the cost of medical spend, but your company is unable to hire healthy individuals? With a group that carries significant medical risk, it is critical to use data to effectively align resources with the needs of the population. Read this case study from UBA Partner LHD Benefit Advisors to learn more.

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Wellness Programs — Good for You & Good for Your Organization

Wellness programs come in all shapes and sizes and vary in terms of employer adoption rates. This white paper reviews best practices when designing wellness programs, how to overcome common implementation obstacles, and measuring value.


DOL Audit

In this white paper, we’ll delve into how to prepare for the audit, the best way to acclimate your staff to the audit process, what the DOL wants, and complying with requests. It does not replace advice from a qualified individual or agency, but it is a great place to start in terms of educating oneself about the risk and impact of and audit.


Employee Engagement

A company starts a wellness program or purchases a stellar benefit in the hopes that it will boost morale, retain top talent and even shrink health insurance costs. Yet the company still ends up with an unhappy and unhealthy workforce that is unproductive.


The regulations on grandfathered plans under the Affordable Care Act (ACA) are designed to allow employers to keep their current plans intact and at the same time ensure that employees are protected from significant loss of benefits.


While cost-sharing and cost-shifting are common strategies, some small and mid-size employers are taking an even bigger plunge into an alternative method of funding that once was feasible only for big companies: self-funded health care plans


The Employer's Guide to "Play or Pay"

Time to Carefully Validate Your Play or Pay Decision

With every day that goes by, the nation’s employers move a step closer to having to make “Play or Pay” decisions. Many employers have less than a year to prepare for the arrival of this core provision of ACA. The decisions are far from easy...and the clock is ticking. United Benefit Advisors is offering The Employer's Guide to "Play or Pay", a comprehensive white paper that offers:

  • The Facts about Paying the Penalties
  • Other Issues Affecting "Pay" Decisions
  • Using Location, Compensation, Subsidies, Medicaid, Family Size, and Income to Make Pay or Play Decisions

Don't delay your Play or Pay decision. Download The Employer's Guide to "Play or Pay" and move beyond health care compliance to strategic cost control.