Blog Category

Ask Bud

disability family insurance

September 6, 2018

After health insurance, what’s the second most important fringe benefit to provide your employees?

As everyone will agree, health insurance in today’s world is a necessity. But, after health insurance, what follows for the next most important benefit?  Some would argue dental, others life and a variety of other must haves. In my opinion, from both an employee and employer perspective, disability Insurance is the one benefit that guarantees […]

healthcare perspective by bud bowlin

March 4, 2018

Can Business Create a Cure for Affordable Healthcare?

The US healthcare markets “sneezed” last month when Jeff Bezos, Jamie Dimon, and Warren Buffett agreed to throw in together to try to make some sense of what it would take to change the upward spiral of healthcare costs and improve the health outcomes for their nearly 900,000 combined employees. And while this is a […]

Healthcare Colin Rogers

February 3, 2018

The Great Healthcare Experiment: Another Hat in the Ring

Creating access to quality, affordable healthcare has long been seen as the proverbial Gordian Knot. Solving that problem is what gets me out of bed every day. The US spends more on healthcare per capita than any other country on the planet.  US. healthcare spending reached $3.3 trillion — or $10,348 per person — in […]

net neutrality

January 9, 2018

If it Ain’t Broke, Don’t Fix It! …Or What I Found Out About Net Neutrality

A plain language treatise on net neutrality from a non-technical viewpoint Full transparency, I work for a SaaS company. I have an economics degree and a graduate marketing/management degree, and little understanding of software technology, engineering, and many other related and complex fields of study. But when a colleague, in this case Zenefits co-founder and […]

Best HR Management Software

January 6, 2017

HRA: A forgotten tool in reducing small business healthcare costs?

Every once in awhile I get a question from an employer about HRAs, or Health Reimbursement Arrangements. What are they? How do they work? Is this something I can use to reduce my healthcare costs? If you’re running a small business or strategizing how to keep healthcare costs in check, continue reading to discover how you […]

PEO Considerations

December 12, 2016

2017 Healthcare Updates: What Can We Expect?

Regardless of your political affiliation, the new year promises to bring us a plethora of changes to the healthcare marketplace. Let’s take a look at some of those opportunities and join the speculation that is rampant in all forms of journalistic endeavor. First, let’s address the repeal and replacement of the Affordable Care Act (ACA). […]

Ask Bud FSA Renew

December 2, 2016

All I Want for Christmas is my FSA account Renewed!

My friends, we are always kids at heart when we think about Christmas and all the wonders it beholds. Not the least of which are the gifts we imagine and think we can’t live without. For many employees, a Flexible Spending Account (FSA) is one of those gifts. With a FSA, employees are able to […]

PEO Considerations

October 10, 2016

A Most Exciting Event: To Z2 and Beyond

Much of my career of over 35 years has been spent hoping someone would fix the time consuming, boring, info gathering and record keeping process associated with delivering insurance to my clients and their employees. One of the things that’s so exciting about working at Zenefits is that I’m able to see forward progress toward […]


September 15, 2016

Join Us Live! Ask a Benefits Expert: Open Enrollment 101

Hi, my name is Bud Bowlin. I write the Ask Bud column, which is part of the ZenFive series of informative weekly newsletters from Zenefits. One of the most stressful times for the company HR person is the period leading up to Open Enrollment.  What exactly is Open Enrollment? It’s the critical period spent preparing, […]

PEO Considerations

September 2, 2016

What Effect Will Aetna’s Withdrawal from the ACA Exchanges (Marketplaces) Have on My Company Sponsored Health Insurance Plan?

Big buzz was created last week when Aetna announced it was pulling out of 11 of the 15 marketplace exchanges it had originally entered at the beginning of the PPACA exchanges January 1, 2014. Aetna had indicated earlier that this was a possibility, so the move was not totally unexpected. United Healthcare and Humana exited […]

PEO Considerations

August 26, 2016

Overtime Legislation: The Final Rule Key Provisions and Impact for Employers

Dear Bud, I read recently about a new overtime rule that President Obama is requiring of employers. Can you tell me what I need to know about administering and how it will affect my business? I’m sure other employers are as in the dark as I am. Will these new regulations ever stop? Overwhelmed (by) […]

PEO Considerations

August 19, 2016

The Top 20 Health Benefits Questions Asked (and Answered)

In August 2015, shortly after celebrating my 70th birthday, I partnered with our Content team here at Zenefits to write my first blog post for the company. Its title: How Does Providing Health Insurance Help My Small Business? That single post would launch a year-long series of Ask Bud columns aimed to help business leaders […]