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What is a POS health plan?
Having the right healthcare coverage is essential for accessing quality medical services. As the healthcare industry continues to evolve, different types of health plans have emerged to cater to...
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What is telemedicine and how can I pay for it?
If you’re in the U.S., you’ve probably scheduled a video call with your doctor at some point rather than visiting their office in person. This practice is known as a “telemedicine” appointment. While...
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HRAs for dummies
Healthcare is often a complex and confusing topic, especially when it comes to navigating insurance plans and understanding the different options available to your organization. One such option that...
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7 group coverage HRA rules to know
Health reimbursement arrangements (HRAs) have become an increasingly popular healthcare benefit option for employers. While many employers offer an HRA instead of a traditional group health plan,...
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Important deadlines for health reimbursement arrangements
If you’re an employer who has recently set up a health reimbursement arrangement (HRA), you may have questions about required timeframes and deadlines for reimbursing employees’ health expenses and...
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Pre-tax vs. after-tax medical premiums
For employers and employees, health insurance costs are often one of the largest expenses to budget for each month.As healthcare costs continue to rise, consumers are looking for ways to save money....
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What is a deductible?
Have you ever heard the term deductible when it comes to health insurance but aren’t quite sure what it means? Understanding the concept of a deductible is crucial for effectively managing your medical...
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What is an employee census?
With the cost of medical care rising nationwide, employers want budget-friendly health benefits more than ever. To provide you with a more accurate quote, many insurance companies and brokers will ask...
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What is Form 8692?
To effectively navigate the complex world of tax filing, it's important to have a comprehensive understanding of the various forms and requirements the IRS requires you to complete based on your...
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Health insurance options for pastors and clergy
When offering health insurance to pastors and clergy, churches with tight budgets may feel like they have no good options. Some large independent churches and many denominations offer group health...
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What is a consumer driven health plan (CDHP)?
An employer’s health insurance benefits are a serious consideration for job seekers. But, offering traditional group insurance can be expensive and tricky. As group plan rates continue to rise for many...
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Section 125 premium-only plan rules & regulations
Employers can have difficulty enticing and retaining talented workers in today’s tight labor market. One way to make your business more attractive is by offering a top-notch employee benefits package...
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Can I offer a health insurance stipend?
For many small and medium-sized businesses (SMBs), offering a traditional group health plan is an expense it simply can't afford. Luckily, other more affordable and flexible options make offering...
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7 ways to save on health insurance
The rising cost of health insurance has created negative consequences for many American families. According to KFF1, six in 10 U.S. adults put off receiving necessary medical care in 2023 due to cost,...
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Can I offer an ICHRA only to out-of-state employees?
The flexibility of individual coverage HRAs (ICHRAs) make them an ideal benefit for employers interested in providing a health benefit to a diversified workforce. For example, ICHRAs make it easy to...
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What Percent of Health Insurance is Paid by Employers?
When evaluating a new or existing health insurance program, your organization's contribution strategy is an important consideration. In simple terms, how much will individual employees pitch in for...
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Can section 125 plans be used with an ICHRA?
Both individual coverage HRAs (section 105 plans) and cafeteria plans (section 125 plans) help employees save on medical costs, but can they be combined? Read more to learn how.
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Lost your group insurance to COVID-19? Check out the individual market trends...
The impact of COVID-19 on our lives is undeniable. For those who have lost their health insurance, it hits even closer to home. Especially now when health benefits are more important than ever, many...
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ICHRA Affordability and Premium Tax Credits
On June 13, 2019, the federal government released a final ruling that created a new HRA called the individual coverage HRA (ICHRA) and included guidelines for making coverage under the HRA...
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2021 HSA contribution limits
The IRS announced the 2021 HSA contribution limits in May in Revenue Procedure 2020-32, as well as minimum deductible and maximum out-of-pocket expenses for the HDHPs (high-deductible health plans)...
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