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The HR Answer Book, 2nd Edition by Rebecca MAZIN, Shawn SMITH

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6BenefitsWhat Makes a Benefits Package Competitive?

THE PATIENT PROTECTION AND AFFORDABLE CARE ACT (PPACA), signed into law on March 23, 2010, created a seismic shift in the employee benefits landscape. Deciding on an employee benefits package had already been an intimidating process for any employer. The mind-boggling array of choices—HMO, PPO, LTD, EAP—identified by an array of confusing acronyms combined with mounting costs and the demands of offering a competitive program have been taken up another notch with the addition of federal legislation and the fact that the law is still in flux.

Without minimizing the difficulty of wading through the options and requirements, we can tell you that it is possible to make intelligent and informed decisions ...

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