The Pension Protection and Affordable Care Act prompted individuals to take a closer look at their health care now, and for the future. And while there are scheduled dates for the rollout of many of the PPACA  provisions, as time goes on it seems unlikely that all will become effective for a variety of reasons.

As a result of legislative and political chaos that seems to surround  health care individuals are once again paralyzed when making health care decisions. Will employers change their health insurance menus? Will other health benefits be offered? Not knowing the future of health care, and consequently expenses associated with continues to disturb individuals of all ages and wealth levels.

Providing health care advice as part of a comprehensive financial/retirement plan is critical. Financial Services can offer a variety of services through advisors for individuals and employer sponsored plans. Some include:

• • Employer Sponsored Program
    A health care program can be an extraordinary employee benefit. It can complement a 401k plan, as a means to understand open enrollment information, ongoing news and changes in benefits. A 5 part seminar series coupled with a participant analysis including wellness and advisory can be incorporated in a program and delivered periodically to employees.

• Individual Advisory Services
  Financial planning software is common today, both in the public domain and as a offering from financial services firms. Many programs now focus specifically on retirement income, yet don’t include health care expenses in the cash flow component. The addition of these services can help advisors to address the pressing needs of individuals in a format the contemplates all goal and objectives in one comprehensive plan.Financial planning software is common today, both in the public domain and as a offering from financial services firms. Many programs now focus specifically on retirement income, yet don’t include health care expenses in the cash flow component. The addition of these services can help advisors to address the pressing needs of individuals in a format the contemplates all goal and objectives in one comprehensive plan.

As a financial services provider exploring the addition of health care planning to your planning services platform will enable you to remain cutting edge in providing employers and individuals with information that meets their needs. We can assist you in determining the best health care services analytics and delivery model based on size, employee demographic and technology.