Tag Archives: Health Insurance

Total HR Management Provides A Snapshot Of PPACA And The Challenges Of The New Healthcare Reform Laws

In light of the recent Supreme Court decision, Total HR Management provides a snapshot of the new healthcare reform laws. The Patient Protection and Affordable Care Act (PPACA) was signed into law on March 23, 2010 by President Obama. PPACA delivers the sweeping reforms to healthcare and health insurance policies across the board. What is essential to understand is that if you work with Total HR Management, not only will we provide you with quality healthcare benefits for your employees; you will receive affordable rates thanks to our ability to pool all of our clients into a single negotiating pool.

Total HR Presents A Snapshot of PPACA

Total HR Illuminates How PPACA Healthcare Legislation Affects Your Business

PPACA contains five key provisions:

1)   The requirement for all US citizens and legal residents to have health insurance

2)    Penalties for employers who do not offer health insurance for their employees

3)   State Based Health Exchanges created to offer cost effective insurance options

4)   Premium credits for low income individuals

5)   Eliminates pre-existing condition and annual as well as lifetime benefit limits

The most relevant law for all employers is the penalty they will face for non-coverage of employees. The exact penalties are complicated to calculate, based on numerous factors. When you work with Total HR Management, such factors are handled by us with the skill and professionalism your company needs and demands.

Some of the basic guidelines of healthcare reform in light of PPACA are outlined below:

Employers with more than 50 employees:

  • If coverage is not offered by the employer and even one full-time employee (FTE) receives a premium tax credit, the employer will pay a fee of $2,000 per FTE.
  • A voucher will be required if the employee contribution exceeds 8% of household income.

All Employers:

  • Employers that offer coverage are required to provide a free choice voucher to employees with incomes less than 400% of the Family Poverty Level (FPL), whose share of premium exceeds 8% but less than 9.8% of their income and who chose to enroll in a plan in the Exchange.
  • A Voucher equals to what the employer would have paid to provide coverage under the employer’s plan. Employers providing free choice vouchers are not subject to penalties.

Employers with 200 or more employees

  • Required to automatically enroll employees into health plans offered by employer. Employees may opt out.

Total HR Management is here to guide our current clients and potential clients through the minefield of PPACA. Although it will be challenging, we have the experience and the expertise to help your business navigate the pitfalls and difficulties faced. Thanks to our ability to pool the employees from all of our client companies into a single group, our negotiating power with the insurance providers is significant. In addition, we provide the quality services and an ongoing presence that truly benefits your company. If you have any questions or need more information, please feel free to contact us.

Human Resources Outsourcing Santa Clarita

With a successful business sector and a rapidly growing population, Santa Clarita is a notable example of a “boomburb”. While experiencing a rush of positive growth, the city has maintained its suburban character and high living standards. In fact, the FBI rates it as the sixth safest city in the United States with at least 100,000 inhabitants and Money magazine ranked Santa Clarita 18 in their top 100 places to live in 2006. On July 1, 2007, to offer new businesses tax incentives to operate inside the city, the industrial and commercial areas in northern and western Santa Clarita were zoned as a federally recognized Enterprise Zone. Presently, the Santa Clarita Enterprise Zone covers 97% of all commercial, business, and industrial zoned land within the City of Santa Clarita. Although this zoning allows local businesses to claim hiring, sales and use tax credits, starting a new business or growing a present business remains a challenge in the current economic climate. Total HR Management understands the challenges of a growing business and offers constructive solutions to make the vision of your company into a viable reality.

As a hands-on specialist in human resources outsourcing, Total HR Management has extensive experience and expertise helping companies save money and time. By helping business owners to focus on their bottom line, expanding their profit margins, Total HR provides companies in “boomburgs” like Santa Clarita the freedom to work on their business as opposed to in it. If you are new to HR outsourcing and you need more specific information, please contact Total HR and all of your questions will be addressed. By integrating your payroll needs, managing your benefit programs and administration, and offering the best in Workers’ Compensation solutions, Total HR will help to foster the success of your business.

Need EPLI Coverage? Consider our Share Liability Solution

Employment Practices and Liability Insurance is essential for any successful business. As a growing company in Santa Clarita, you may need to add or renew your EPLI Insurance in order to insure the future safety and security of your business. If this is the case, particularly if you are considering getting an EPLI Insurance policy for the first time, we would like to show you how we can help with our shared liability solutions. If want to know more, please call us at (800) 975-5128 or fill out our Consultation Form so we can have one of our Southern California-based staff contact you directly.

Looking for a Payroll Service? Why Not an Integrated Payroll Solution?

Total HR offers an integrated Payroll System in our package of first-rate services that fits well with the expanding needs of the Santa Clarita Enterprise Zone. Although payroll is only the beginning of an overall human resources solution, it is an essential starting point. In the current economic climate, reliable and efficient Payroll Services have become a necessity for the success of any growing business. Total HR offers different levels of Payroll Services to match the needs of your company. Our Integrated Payroll Service, including Payroll Plus and Payroll Premiere, allow your company to do more with less, providing the flexible services you need to continue to grow and expand your business.

Time to Shop for Workman’s Comp? Save Money with our Integrated Workers Compensation Solution!

As any successful business owner knows in Santa Clarita, a Workers’ Compensation problem can derail a company if the business is not properly covered. What begins as a minor issue can become a legal morass if your company’s Workers’ Compensation safety administration and claims management is not properly integrated. Total HR Management can save your company money with our Workers’ Compensation Programs that have been shown to provide the best in cost-effective and safety-conscious tools and services.

Health Insurance is Changing, We Can Help Your Business Navigate this Complex Terrain

With the growing number of complex changes in National and California Health Insurance Policies, it is essential for a successful business in Santa Clarita to keep current. In addition, the laws that revise these policies are continually changing and a growing business needs to have the latest up-to-date information. Luckily, the experts at Total HR Management make sure that our client companies have the latest information and stay ahead of the curve. The Cost-Effective Health Insurance Solution that Total HR can offer companies in Santa Clarita is part of a much larger and full-featured Benefits Program and effective management tools for business owners and their employees. The focus at Total Hr is to give you the best programs we can offer for the least amount of money across the board.

As your company in Santa Clarita continues to grow and expand, you need the freedom to work on your business and not in it. Total HR Management offers the Total HR Difference that ultimately will save you both time and money. If you want to learn more about the Total HR Difference, please call us at (800) 975-5128 or fill out our Consultation Form and one of our responsive and present staff members will contact you.

Finally, if you want to know more about Total HR from the clients that we have worked with over the years, check out the Success Stories on our website and listen to the voices of our clients. Like business owners working in the Santa Clarita Enterprise Zone, they are real people who found real answers with Total HR Management that save them money and helped their companies continue to grow and expand. After all, shouldn’t the ongoing success of your company reflect the “Boomburb” climate of Santa Clarita as a whole?

Dennis Bernstein is a seasoned business guide who creates perspective and inspires performance with leaders and key managers in the private, non profit and government sectors.


  • MBA, The Drucker School at Claremont Graduate University
  • BS, Woodbury University


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