Slack Is Going Public Today. Here Are 3 Reasons It’s a Big Deal

Instead, Slack will list its shares directly with the NYSE. The shares that you’ll be able to eventually trade aren’t newly issued shares that generate money for the company, but rather are shares currently held by founders, employees, or investors. In fact, a direct public offering (DPO) is mostly a way for those insiders to unlock the value of their shares and generate cash. 

How to Teach Your Kids the Right Financial Lessons

With a few helpful pointers, your kids will be on track for financial success.

Image source: Getty Images

It’s safe to say that parenting comes with a whole slew of responsibilities. You have to keep your kids happy and healthy. You have to ensure they get a good education. And, if you want to avoid hearing them ask you for gas money until they’re 30, you have to teach them about money.

Giving your kids financial advice can be tough. It’s very easy to bore them and have your advice go in one ear and out the other. After all, there aren’t a lot of middle schoolers who want to learn about 401(k)s.

The key to teaching your kids financial lessons that they remember is to tailor your advice to their age group. With the lesson plan below, your kids will know the ins and outs of personal finance by the time they leave home.

Introduce the concept of money in preschool/kindergarten

When your kids are barely past their toddler years, you need to stick to the basics. At about four to five years old, it’s a good time to introduce them to the concept of money and how money is used.

Studies have shown that children can grasp the idea of exchanging money for goods at this point, but they might have trouble understanding the values of different pieces of money.

Here are some simple ways to start teaching your kids about money:

  • Show them different coins and bills.
  • Explain that you use money to buy things you need.
  • Demonstrate how this works when you go to the store. Pick out a product and show them the money you’ll use to buy it or have them give the money to the cashier.

Teach them about earning and saving money in elementary school

By the time your kids are seven or eight years old, they’ll have some understanding that adults work for their money, so you can introduce how earning money works.

A popular way to do this is to give them money when they do their chores. You could even make a chart with the chores they can do and how much you’ll pay them for each one.

This age range is also when children can comprehend the value of money and when they develop the ability to plan ahead, which makes it perfect for their first lessons on saving.

Encourage them to set savings goals for the things they want. For example, if they want to buy a game, explain how they’ll need to set aside some of their chore money for the next two weeks instead of spending it all.

Open their first bank account in middle school

Once your kids are in middle school, they’ll be ready for more advanced financial concepts. They’ll probably be doing more challenging chores and earning more as a result, and they’ll have a few years of experience with saving money.

With more pocket money and more knowledge about saving, setting them up with their own bank account is a logical next step.

You may want to take them to your own bank, or you can check out the best bank accounts to find one that won’t charge any maintenance fees, even for accounts that don’t have large balances.

After opening a bank account, make sure you go over:

  • how to check their balance online or through the bank’s app,
  • using their debit card for purchases and withdrawals and the dangers of expensive overdraft fees if they don’t keep track of their balance, and
  • how their balance will grow through interest.

Cover budgeting and borrowing money in high school

These could be the last years of you and your kids living together before they set out on their own, so this is where you get them ready for “the real world.” There are two key concepts they’ll need to understand: making a budget and borrowing money.

Teenagers tend to have more expenses than younger kids, and they also earn more money, whether that’s still from chores or from a job. That means you’ll have the opportunity to draw up a budget with them. Here’s how:

  • Calculate how much they’ll earn every month.
  • Figure out what their typical monthly costs are, such as gas and food. You could determine this by reviewing their most recent bank statements with them.
  • Compare what they spend to what they earn to see if they need to cut back.
  • Stress the importance of paying themselves first by always saving a portion of what they earn immediately after they get paid.

High school is also when you can explain how borrowing money works, and that when you borrow money, the lender will charge you interest. From there, you can go into the subject of credit scores, explaining how credit scores are calculated and how your score affects the amount of interest you pay.

Since credit cards are one of the first ways many young adults borrow money, you should make sure to cover the dangers of carrying a balance on a credit card. One smart way to teach your kids about responsible credit card use is to make them authorized users on your own card to show them exactly how it works.

The final financial check before moving out

Sooner or later, your kids will be ready to move out and start their own lives. At this stage, it’s wise to go over a few things with them to ensure that they’re prepared:

  • Confirm that they’ve made a budget and that they’re going to be able to afford all their expenses, ideally with those expenses amounting to 50% of their income or less.
  • Check that they have an emergency fund. While they may not have three to six months of expenses saved yet, they should have at least $500 to $1,000 in case they ever need some extra money.
  • Advise them to get a credit card of their own to build their credit and consider being their cosigner to help them get approved.
  • Recommend that they save for retirement as soon as possible. Most young adults don’t think about this much, but starting early can help grow a retirement nest egg much more quickly.

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Proposal To Move City Hall To Common Pleas Courthouse Would Provide Needed Updates And Save Money

A discussion is underway on how to save Cape Girardeau’s historic Common Pleas Courthouse and simultaneously provide a new headquarters for city government.

During their Monday meeting, the city council discussed a new proposal to move City Hall into an expanded Common Pleas and Annex facility. This move would nearly halve the $20 million cost of a previous plan to raze and rebuild city hall, currently housed in the historic Lorimier school building.

City Manager Scott Meyer said in the proposal they identified $12 million for the cost of improvements, with half the funds coming from the Capital Improvement Sales Tax and the other half possibly coming from the casino.

City mayor Bob Fox said the idea seems pretty popular among both city officials and residents.  

“It’s gonna spend a lot less money than what we originally thought. We’re saving the most iconic building in the city, in Common Pleas Courthouse and the annex and the old library,” said Mayor Bob Fox. “And we’re not tearing down this building. So that satisfies the needs and wants of a lot of people.”


A familiar group of architects were also at Monday’s Meeting: Chiodini Architects, who designed the new police station. They presented concepts for possible renovations on Common Pleas, which is in need of repairs. These illustrated how city hall would fit into the building, while also providing a layout which would make the facility ADA-accessible and secure.

The public would have to vote in August to extend the Capital Improvement Sales Tax in order to fund the project.

Deputy City Manager Molly Mehner presented information on bonding the city hall project with an improvement project on the Cape airport.

“It makes sense to go ahead and pay a little bit in interest to get those improvements done right away, to minimize the cost that we have to spend on maintenance while we’re waiting to collect the money and spend it as we go,” she said.

During the meeting, staff also considered moving different customer service agents to other public offices in the city.


10 Apps That Will Save You Bundles of Cash

Struggling With Your Finances? These Apps Can Help

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Whether you’re in college, just starting your career, or well-established and considerably comfortable, you’ll never regret saving extra income for a rainy day (or for something bigger – like a milestone vacation or retirement). Even if you feel like you don’t have any money to save, you’d be surprised by the simple ways you can find more coin in your pocketbook.

RELATED: Best Budget Apps for Managing Your Money

Here, we’ve selected a handful of easy-to-use money-saving apps that will increase your savings account tenfold. That extra money can be tucked away for an emergency savings, the start of a retirement fund, or for something special you’ve always wanted to buy yourself. Whatever reason you want to be more financially savvy, you’ll be surprised by how easy it actually is to save cash in your day-to-day life (without giving up that morning coffee).

Money-Saving Apps

You may have heard about this money-saving app but if you’re not already using the app, you may want to get on that. Mint is one of the best-loved money-saving apps, and for good reason. The financial planning app will help you develop a reasonable budget and keep you on top of your bills (which will save you late fees); it even offers a free credit check.

Frequent flyers will especially appreciate this handy money-saving app. App in the Air helps travelers keep more money in their pocket thanks to its new flight booking features, which allow users to book flights in-app, while matching users with flights based on loyalty programs, enabling travelers to make their dollars count more by maximizing points. App in the Air also offers a luggage scanning feature, which uses AR technology to ensure all personal, cabin, and drop-off luggage are within the size requirements.This prevents travelers from accidentally bringing an oversized suitcase, resulting in a baggage fee; it will also help travelers to know just how much space they have before they’ll need to upgrade to a checked bag.

Matador is the first social investing app that lets you grow your money by exploring, sharing, and discovering the stock market with friends. A great introduction to the stock market when you have no idea where to start, this investing app helps users start thinking long term and helps users save money for the future. Investing in the stock market for the long term is one of the best ways to create and preserve wealth over time, yet data shows that we still invest less than a third of what we have into the stock market. Matador aims to change that by making investing easier, and more user-friendly.

If you’re big into cutting coupons – or you wish you had the patience to do it! – check out RetailMeNot. This money-saving app stores all the coupons you could ever use right (think restaurants, retail stores, and even travel and airfare) in the app, which you can redeem right on your phone. RetailMeNot also includes exclusive deals and app-specific coupons, so even if you’re already pretty good at finding your own savings, these ones may be even better.

If you have trouble creating a healthy savings account, you may benefit from downloading Acorns. This app is simple but will save you a ton of money, quickly. Acorns actually rounds up each and every transaction you make and the difference is automatically transferred into an Acorns savings account, which is then invested in exchange-traded funds.

How many times have you sauntered into the grocery store, hungry and unsure about what you’ll be eating for the week? Most people do their grocery shopping in this unorganized manner at least once in a while, but it’s one of the worst things you can do – for your wallet and your fridge! Going in without a plan leads to overspending, forgetting essentials, and filling your kitchen with snacks and other (probably) unhealthy foods. Grocery iQ offers an intuitive grocery list-building tool, which allows users to scan barcodes of the products they love and organize grocery lists by aisle; it even has a section for coupons that may be relevant based on the user’s shopping habits.

If you’re not already using Groupon, well, you should be. The well-loved coupon app isn’t anything new, but it’s just as good as it was when you discovered it years ago. For those who haven’t tried it yet, let us fill you in: Groupon curates deals in your area on things like spa packages, restaurants, and other events and activities, so you can try out a new pass time or event without breaking the bank.

You Need a Budget is the budgeting app for people who hate making a budget or have a negative relationship with money. The easy-to-use budget interface actually teaches its users about the value of money, which helps you prioritize expenses, get out of debt, and more. YNAB research suggests that new users save an average of $600 in the first two months and over $6,000 in the first year.

Rakuten has been around for a while on the business-to-business side, but has just recently extended its services to individual shoppers. The concept is simple: sign up, and shop as usual. Stores pay Rakuten a commission for sending you their way, and Rakuten shares the commission with you as cash back – you can expect to get up to 40% back, depending on the stores you shop at most.

If you’re weary of the other budget/savings apps out there, you may prefer Digit. This financial planning tool calculates your income and living expenses before putting aside anything. This means that you’ll only be saving exactly what you can afford – saving you from pulling money back and forth from your savings account.

You Might Also Dig:

  • Experts Reveal the Subtle Money Habits to Break if You Want to Save Thousands Per Year
  • Easy Ways to Save Money
  • Wealth Management Tips

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Here’s what you should be doing in your 20s, 30s and 40s to retire wealthy, says money expert

1. Continue living within your means

For most of us, the older we get, the more vulnerable we become to lifestyle creep, which is the gradual increase of our spending as our wage increases.

According to Sarah Stanley Fallaw, co-author of “The Next Millionaire Next Door: Enduring Strategies for Building Wealth,” two of the strongest qualities of millionaires are resilience and perseverance — both of which play a big role in helping them avoid lifestyle creep.

If you’re looking to make big purchases, like a house or car, review your financial situation and make sure you set a reasonable budget. Also, weigh pros and cons and think about whether you really need an upgrade. Millionaires rarely spend more than 30% of their income on housing, Fallaw notes in the book.

She adds, “Keeping housing costs low is smart, no matter how much money you have. The best financial move you can make is to literally move to a less expensive home. “

2. Teach your kids about money

It’s easy to get financially off track in your 40s and 50s, especially if you have children.

According to Merrill Lynch‘s 2018 “Financial Journey of Modern Parenting” report, 79% of the 2,500 American parents surveyed provided financial support (i.e., food, student loans, school, cell phone, vacation and housing expenses) to their adult children (ages 18 to 34).

Seventy-two percent said they put their children’s interests ahead of their own need to save for retirement and regret not teaching their children about money at a young age.

Obviously, you’ll need to support your children in their early stages, but making sure they have a strong financial education can help prevent your retirement savings from getting derailed. Make it a habit to speak openly about family finances and equip them with financial tools, like a savings and checking account.

3. Take care of your health

Technically, you should always be prioritizing your health. But as we age, we’re more prone to developing health issues.

According to a 2018 Gallup survey, nearly 44% of U.S. adults said they were worried about not being able to pay medical costs in the event of a serious illness or accident.

While healthy living can’t prevent all health conditions, it can significantly improve your chances of avoiding issues like diabetes and heart disease, thus saving thousands of dollars in out-of-pocket expenses for treatment.

Jim Brown is a financial consultant and the founder of Jim Brown Investing. With more than 30 years of expertise in the financial industry, Jim has been interviewed on Yahoo! Finance TV, the So Money Podcast with Farnoosh Torabi, KFNN Money Radio and U.S. News World Report. He is also the co-author of Financial Statement Fraud Casebook: Baking the Ledgers and Cooking the Books. “ Follow him on LinkedIn.

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Here’s how much money Americans in their 40s have in their 401(k)s

The answer to this is highly personal and depends on your lifestyle, expenses and spending habits, but there are a few basic guidelines to follow if you want to retire comfortably.

Fidelity recommends saving 15% of your salary toward retirement, and that amount includes contributions from your paycheck as well as any contributions from your company.

The goal is have 10 times your final salary in savings by retirement. If you want to retire at 67, Fidelity has a timeline to use in order to hit that magic number: By age 40, it recommends having three times your salary saved; by age 45, four times; and by age 50, six times.

Ultimately, though, everyone’s scenario is different. If you’re getting a later start on saving, you will have to save more to catch up. In a 2018 report, the Stanford Center on Longevity determined that if you want to retire by age 65, you should be setting aside 10-17% of your income if you start saving as early as age 25. But if you wait until 35 to start, you have to save 15-20%.

To help you figure out the right amount to fund your retirement, try using a retirement calculator.

Pet sitter vs kennel for your summer vacation

If you are going on vacation and you have a pet, it’s a dilemma. Do you hire a pet sitter, or send your dog or cat to the kennel?

Some new apps make pet sitting as easy as hiring an Uber driver, but they come with a few risks.

Angela Davidson is a pet sitter based out of her Anderson Township, Ohio home. She’s a top-rated sitter for Rover, a sort of Airbnb for pets, and one of the many gig economy jobs that have flourished in the past decade.

For around $40 a night, she watches dogs for families on vacation, while keeping an eye on their house, too.

“You just want somebody that cannot just house sit but pet sit also,” she said. “And it also gives peace of mind that their house is being cared for the same time their pets are.”

Rover (and competitor Wag) appeal to people like Cicely Knecht, who told us in our first report on this topic she did not want to leave their beloved pet in a strange place.

“Not for a weekend or anything while I’m away,” she said.

With pet sitting, your dog or cat gets to stay in the comfort of their own home, so there’s no worry about being in a strange place surrounded by other barking or crying animals.

But these services have downsides:

  • Pet sitting services have been sued for dogs dying under a watcher’s care.
  • Some people complain of money and personal items disappearing from their home.

However, Rover offers a $1 million guarantee against property damage or injuries to people, and $25,000 in vet care in case your pet becomes ill or injured while in the care of a Rover dog sitter.

To protect yourself, the Better Business Bureau suggests you:

  • Meet personally with any pet sitter before hiring them.
  • Read the sitter’s reviews carefully
  • Look for sitters who have passed Rover’s “enhanced” background check, not just the basic one.

Rover says thousands of people have hired its sitters millions of times, and in most cases are completely happy.

And if you don’t like the idea of a kennel, Davidson says this is a way for them to have some comfort of their home as opposed to going to a kennel “where there’s lots of barking, and they don’t understand what’s going on.”

A sitter can take the stress out of your vacation, for both you and your pet.

That way you don’t waste your money.

Don’t Waste Your Money is a registered trademark of Scripps Media, Inc. For more consumer news and money saving advice, go to

John Matarese started Don’t Waste Your Money in 1999 to give consumers the facts and information needed to make the best buying decisions for their families. Over the past 20 years, Don’t Waste Your Money has helped millions of consumers by providing in depth research and product information.

Should I Pay Off Student Loans or Save for a House?

Both are important goals, but it makes sense for one to take priority over the other.

[Read more…]

What To Teach Your Adult Child About Money

By Randi Mazzella, Next Avenue Contributor

When my oldest daughter graduated from college, I was amazed to discover that she had never taken an economics or finance class. Her education helped her secure a prestigious job doing medical research, yet she had no clue how to budget, do her taxes, invest or find out her credit score.

It turns out that my daughter’s experience is not uncommon. When AIG Retirement Services and EVERFI conducted a research study surveying 30,000 college students, only 35% of respondents reported ever having taken a personal finance course. Worse: 47% felt unprepared to manage their money.

Parents can take some of the blame for young adults’ lack of financial literacy. Kelly Ennis, a Certified Financial Planner and president of Infinity Financial Strategies in Granby, Conn. says: “Parents tend to shy away from discussing finances with their children and teens. They don’t know what to tell their kids and worry that their kids will discuss their family finances with friends.”

Also on Forbes:

But financial advisers suggest parents of sons and daughters in their early-to-mid 20s sit down with those kids and teach them the following six basics of personal finances. By doing so, the adult children will be more likely to be financially sound in years to come.

1. Make a Budget

The AIG/EVERFI survey found that only 49% of students plan to follow a budget. That’s down markedly from 76% in 2012. Yet money pros view  budgeting as one of the simplest and most useful tools for managing money.

Meet with your adult child and work together to create a realistic monthly budget. It should list all regular, essential expenses and a line for non-essentials — “fun money” — like restaurants and travel.

Joe Duronio, vice president, strategic planning research for AIG, says, “Especially in this digital age, when it is easy to impulse buy online, a budget helps young adults see where every dollar they earn is going and what funds they really have available to spend.”

Apps like Mint (free) and Acorn ($1 to $3 a month) — the two best for budgeting according to NerdWallet — can help.

2. Build a Safety Net

Before your adult child can start thinking about saving and investing for the long-term, it’s essential to open and fund an emergency savings fund at a bank or credit union. This is savings your son or daughter could withdraw at any time, when necessary, without paying a financial penalty.

This kind of safety net serves another purpose, too. Ennis says: “I call this a ‘walk away’ fund. It’s money set aside so that they can make better decisions in the future and walk away from situations when they need to.”

Having a safety net lets your child leave a dead-end job or an unsafe living environment without having to worry, “How will I pay my  bills?”

This savings account will also let your child earn a little interest, too. Nationally, savings accounts pay 0.10% on average and money-market accounts (which limit the number of withdrawals per month) pay 0.25%. Typically, accounts at online banks pay more than those of brick-and-mortar institutions. Sites like and have directories of the highest-paying savings accounts.

3. Understand Taxes

Teaching your child about taxes — deductions, credits, withholding, Social Security taxes, record keeping, estimated taxes, filing dates, tax forms and the like — won’t be fun, but it’s extremely important.

That’s especially true if your son or daughter — like so many millennials — isn’t employed by a company, the government or a nonprofit, but is a freelancer or independent contractor.

“I often find that some people don’t realize that they’re considered self-employed,” says Ennis. “They mistakenly believe that if they get any check, that they must be an employee.”

Explain that true employees have taxes withheld from their paycheck and their employers also pay half of the Social Security and Medicare taxes, or FICA. Conversely, if they’re self-employed, they are responsible for both halves of FICA and for making quarterly estimated payments for federal taxes and, if applicable, state taxes.

If your child is an employee, talk about how to withhold the right amount on a W-4 form. If your son or daughter holds multiple jobs — some without withholding — taxes may be due come April 15.

4. Maximize Your Employee Benefits

Make sure your child knows that whenever he or she gets a full-time job, it’s essential to read all the paperwork before signing anything. Says Duronio: “Take a look at the totality of the benefits, not just salary. Human resource personnel are happy to walk new employees through their contract specifics.”

Encourage your child to take advantage of benefits such as gym memberships, continuing education classes and student loan repayment assistance. Discuss whether your child should go on the employer’s health plan or remain on yours until aging out at 26.

Although retirement may seem far off,  explain why investing in a 401(k) or other retirement savings plan immediately makes financial sense, especially if the employer matches employees’ contributions.

Duronio says, “It’s effectively free money, both the amount the employer matches and the fact that it lowers your pre-tax income.”

5. Manage Debt Wisely

The AIG/EVERFI study said “Six in 10 students have already taken or plan to take loans to cover their tuition bills —  alarmingly, only 65% of borrowers plan to pay off these loans on time and in full.” Ellis points out that not paying back loans can adversely impact a person’s credit score for years. And that, in turn, could make it harder for your child to be approved for a mortgage or car loan, or get the best interest rate on one.

The survey also found that “more than one in three students with credit cards already has amassed more than $1,000 in credit card debt. Further, only 51% said they would likely pay off their entire credit card bill next year.” Deliberately keeping a balance on credit cards means paying more in interest than might be necessary, often with high interest rates.

Shawn Ballinger, a Certified Financial Planner and wealth coach at Columbus Street Financial Planning in Columbus, Ohio, says, “The idea of having things like vacations now and paying later may sound great, but is ultimately dangerous if you can’t afford to pay the money back.”

Remind your child that maintaining a good credit score doesn’t mean not ever borrowing money; it’s about paying back loans on a timely basis.  If they buy an asset (such as a car), secure a loan and pay it off, they can build credit responsibly.

6. Invest Wisely

Once your child has an emergency fund, encourage him or her to invest wisely by coming up with an overall strategy that takes into account long-term, medium-term and short-term financial goals. Ballinger says, “I recommend keeping at least 10% of your long-term savings in a fixed income or cash instrument [like a money-market fund] to take advantage of market corrections via rebalancing [to return the portfolio mix to what your child intended].”

He also suggests young adults with a 401(k) diversify in the stock market by putting money into the fund’s SP 500 account. Ballinger explains: “Passive stock index funds are a great way to achieve market exposure. But be careful with a passive bond fund [a fund that owns and holds a variety of bonds]. If interest rates rise sharply, a passive bond fund may lose significant value,” if it has long-term bonds.

Ennis suggests talking to your child about investment risk, too.

“It is critical that a prospective investor understands how much risk they can stomach and then build a portfolio that doesn’t exceed that level of risk.  If their portfolio swings by a larger degree than they can handle, they are likely to get out of their investments when they get too anxious — and that usually happens when the investments have lost value.”

Health Care ‘Shared Savings’ Off To Slow Start

If people are willing to shop for cars and homes to save money, they’d be willing to shop around for their health care, right?

If early results of “shared savings” programs in Florida’s state-employee health insurance program are any indication, the answer actually could be no.

The early results show that despite efforts to publicize the programs, they have had little impact on the $2.6 billion health-care program for current and former state employees.

Related: Gov. DeSantis Signs ‘Patient Savings Act’ In Jacksonville

The idea of the shared-savings programs is to give policyholders an incentive to look for cheaper health services. State employees receive rewards after the services have been delivered and claims paid.

As of May 21, $63,000 in rewards had been earned by employees who enrolled in what is known as the Healthcare Bluebook program, according to the Florida Department of Management Services, which oversees the employee health insurance.

David Frady, the department’s communications director, did not have the number of employees who used the program but said 428 different services, such as X-rays and MRIs, were booked and paid for.

State employees who want to shop around for surgical care can use a program called SurgeryPlus. The latest available data show that six procedures have been completed through the program and that another three have been scheduled. Files have been opened, Frady said, on another 46 potential surgical procedures.

The less-than-robust performance has occurred despite the Department of Management Services’ efforts to advertise the options. Gov. Ron DeSantis in March ordered the agency to “get as many people plugged into that as possible.”

Frady said the department has been working closely with agency human-resource directors to distribute educational materials to employees on the availability of the programs. The department has also included information about Healthcare Bluebook on its People First website, which is the portal for state employee benefits.

Since March, the department has held 49 in-person presentations, and webinars have been offered “reaching thousands of employees.”  

Meanwhile, the state has paid companies involved in the programs far more than what employees have been able to attain in rewards.

Healthcare Bluebook has been paid $1 million since October 2018, according to a state financial website. The contract is worth a total of $3.6 million. Direct Employer Healthcare, which operates as SurgeryPlus, has been paid more than $462,500 for the concierge-type services that help people shop for and procure surgical services. The overall contract with Direct Employer Healthcare is for $4.2 million.

DeSantis has touted shared-savings programs similar to the ones in the state-employee insurance plan as an attractive option to help lower overall health-care costs. Along with House Speaker Jose Oliva, R-Miami Lakes, DeSantis supported a bill (HB 1113), which seeks to spur insurance companies to begin offering similar options to customers.

DeSantis signed the legislation into law last week. The law, which takes effect July 1, allows insurers to offer shared savings options to their customers. Insurers would have to return at least 25 percent of any generated savings to the customers.

Enrollment in the programs would remain voluntary.

DeSantis expressed confidence that consumers will take advantage of the offerings because they’d be getting back a portion of the savings.

“The transparency is great, but why would I want to go shop online if it makes no difference to me as a consumer?” DeSantis said during an appearance last week in Jacksonville. “If it’s just saving an insurance company money, I think a lot of patients would rather just have their time to themselves rather than doing this.”

Photo used under Creative Commons license.