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New Legislation Delays Penalties for Noncompliant Health Care Reimbursement...
Small businesses still offering noncompliant health care reimbursement plans, often called employer payment plans, were given a new chance to come into compliance under the law, as well as a new...
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Growing Health Insurance Concern: The Underinsured Epidemic
With the rising cost of health insurance comes another concern that has historically received far less attention. The most recent Biennial Health Insurance Survey conducted by the Commonwealth Fund...
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Does Offering an HRA Disqualify Employees from Individual Premium Tax Credits?
A common question is "will offering a Small Business HRA prevent employees from obtaining individual premium tax credits?" The answer is no, but adjustments must be made in how the credit is...
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What Is My Individual Health Insurance Tax Credit?
Massive tax credits are available to help you buy individual health insurance coverage through the federal and state-based health insurance marketplaces. The tax credits are only available to you if...
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How to Explain an HRA to Your Nonprofit's Board of Directors
Each year, executive directors sit down with their board of directors to review the nonprofit’s annual budget. Projections are made for revenue and funding and expenses with significant increases over...
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6 Answers to Common HSA Questions Our Clients Ask
If you have questions about the regulations behind your health savings account (HSA), you are not alone. There is quite a bit of confusion regarding contribution and distribution rules for HSAs—and...
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The Pros and Cons of Medi-share
If you’re experiencing some sticker shock with your 2017 health insurance increases, you’re not alone. Many people are searching for alternative healthcare solutions, including health reimbursement...
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Improve Employee Retention—Without Group Health Policies
Operating a small business can seem overwhelming at times, and finding reliableresources to help you problem-solve can be a struggle. Online resource Manta frequently conducts surveys among their...
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2017 Standard Mileage Rates and How They Affect Health Reimbursement
Each year, the Internal Revenue Service (IRS) evaluates expenses eligible for reimbursement through tax-advantaged group plans, such as Small Business Health Reimbursement Arrangements (HRAs). In some...
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Top 5 Health Insurance Options for Small Groups in 2016
For many employers and brokers, the Affordable Care Act can feel like a moving target. However, for small groups with fewer than 50 employees who are not mandated to provide health insurance, the...
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How Do I Calculate My Health Insurance Tax Credit?
Massive health insurance tax credits will become available to help you and your family buy health insurance coverage through the new state Health Insurance Marketplaces. If you are eligible, these tax...
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Health Care Sharing Ministries and the Small Business HRA
Since the passage of the Small Business Healthcare Relief Act (SBHRA) as part of the 21st Century Cures Act, people enrolled in health care sharing ministries have wondered whether the new regulations...
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The Small Business HRA’s Notice Requirements
When the 21st Century Cures Act was passed in December 2016, small businesses welcomed the creation of a new compliant Health Reimbursement Arrangement (HRA). The Small Business HRA allows companies...
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The State of Health Insurance Cost in 2017
Health insurance costs have increased sharply in 2017. The effects of the increases have been widespread, reaching both group health policies and affecting costs on the individual market. If you...
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There Is Still Time to Make Changes to Your 2017 Individual Health Insurance
Millions of Americans have already made their individual health insurance selections for 2017 through the Affordable Care Act (ACA). But some are still wavering between plans or are suddenly realizing...
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Minimum Contribution Requirements: Group Health vs. Small Business HRA
Navigating the waters of group health insurance can be frustrating for small business owners. Not only are premiums expensive, but they are also constantly increasing, and the regulations are...
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Survey Shows Poor Individual Health Insurance Literacy
With the increase in individual health insurance premiums and out-of-pocket costs, many are experiencing confusion regarding their policies. You might hear (and read) the same terms over and over...
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How to Calculate Your Premium Tax Credit with a Small Business HRA
When the 21st Century Cures Act created the Small Business Health Reimbursement Arrangement (HRA), many small business owners noted its similarity to the Stand-Alone HRAs of the past. While the two...
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Average Health Insurance Cost for Subsidized Policyholders Less Drastic
It seems as though you can’t turn on the news without listening to chatter about rising health-care costs. It’s true: The average health insurance cost has increased steadily for the past 17 years,...
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Using HSA Funds for Dependents’ Individual Health Insurance Expenses
Many people have questions about health savings accounts (HSAs) when they’re offered alongside their individual health insurance. The Internal Revenue Service (IRS) has strict regulations in place...
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