Congratulations to Jonathan P. Warner, CEBS, for achieving 10 years as an ISCEBS Fellow. Maintaining the "Fellowship"
designation requires the passage of biannual examinations following his extensive study of changing human resource / employee
benefits legislation and trends.
Inspiration for this book emerged due to the positive value and cost efficiency
results for every one of my clients adopting upfront deductible plans and HRAs, FSAs, or HSAs. Reigning in health insurance
expenses using this creative approach allows the continuation of quality insurance benefits and increased take home pay for
workers.
-Jonathan P. Warner
