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Why Should Our Small Business Offer a Stand-Alone HRA?
Small businesses offer Stand-Alone HRAs to provide employees tax-free dollars for reimbursement of their medical expenses (including individual insurance premiums). This type of "defined contribution"...
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HRA Plan Requirements
Health Reimbursement Arrangements (HRAs) are Section 105 health care plans paid for by an employer to reimburse the medical expenses of employees, their spouses, and dependents. HRAs are designed to...
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Oregon Health Insurance Exchange Guide
Starting in 2014, as part of the Affordable Care Act (ACA), health insurance coverage for individuals and small businesses will become available through new state health insurance exchanges. Most...
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How 5 Companies Are Using Defined Contribution Health Plans
Defined contribution health plans are often described as an affordable alternative to employer-sponsored group health insurance plans. But how do defined contribution health plans really work for...
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West Virginia Health Insurance Exchange Guide
Starting in 2014, as part of the Affordable Care Act (ACA), health insurance coverage for individuals and small businesses will become available through new state health insurance marketplaces. Most...
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Can a Business Pay for Employees' Individual Insurance Plans?
Yes. Done correctly, a business is allowed to use a Health Reimbursement Arrangement, also called a Health Reimbursement Account or HRA, to contribute tax-free to employees' individual health insurance...
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Michigan Health Insurance Exchange Guide
Starting in 2014, as part of the Affordable Care Act (ACA), health insurance coverage for individuals and small businesses will become available through new state health insurance marketplaces. Most...
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What Every Employer Should Know About Health Care Reform
Employers, human resource departments, and business consultants of all sizes are still trying to wrap their heads around the Affordable Care Act (ACA) and what health care reform means for their...
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Idaho Health Insurance Exchange Guide
Starting in 2014, as part of the Affordable Care Act (ACA), health insurance coverage for individuals and small businesses will become available through new state health insurance exchanges. Most...
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Why Use Defined Contribution Software?
Defined contribution health plans are gaining popularity with small and medium-sized businesses as a new alternative to employer-sponsored group health insurance plans. Rather than paying the costs to...
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New Jersey Health Insurance Exchange Guide
Starting in 2014, as part of the Affordable Care Act (ACA), health insurance coverage for individuals and small businesses will become available through new state health insurance exchanges. Most...
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How Non-Profits Can Offer Health Insurance
Non-profits value providing health insurance to their employees. But for many non-profits, a traditional group health plan may not be cost effective for employees or the organization. Stand-alone...
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Ohio Health Insurance Exchange Guide
Starting in 2014, as part of the Affordable Care Act (ACA), health insurance coverage for individuals and small businesses will become available through new state health insurance exchanges. Most...
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How Health Care Reform Works - An Infographic
How does health care reform work? Here's a simple infographic that breaks down how health care reform works, the philosophy of guaranteed-issue policies and how much health care reform...
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4 Myths About Health Reform & Health Reimbursement Arrangements
Businesses of all sizes are looking to stand-alone health reimbursement arrangements (HRAs) to control benefits costs while keeping employee morale and retention up. Health reform introduces new...
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How to Lower Health Benefits Costs with Defined Contribution
In the past, businesses have always relied on group health insurance to offer employee health benefits. However with continual renewal increases and new ObamaCare regulations, businesses of all sizes...
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Rhode Island Health Insurance Exchange Guide
Starting in 2014, as part of the Affordable Care Act (ACA), health insurance coverage for individuals and small businesses will become available through new state health insurance exchanges. Most...
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CMS Releases Simplified Application for Health Insurance Marketplace
Today, the Centers for Medicare and Medicaid Services (CMS) released simplified versions of the health insurance exchange applications for individual and family coverage. CMS says the application will...
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Health Reform & the Number of Uninsured Americans
One of the key goals of the Affordable Care Act, according to the Department of Health and Human Services, is "increasing access to affordable care," where "millions of Americans gain new access to...
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ACA Limits Premium Subsidies For Families of Covered Employees
A common question we receive about the Affordable Care Act (ACA) is: "If my spouse receives insurance through his/her workplace, but family coverage is too expensive, can family members access health...
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