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Pure Defined Contribution vs. SHOP Exchange - Which is Better?
With health care reform right around the corner, many small businesses and their brokers are strategizing about the best health benefits solution for 2014. Here's a look at two common small business...
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California Health Insurance Exchange Update - Agent Certification
The California Health Insurance Exchange, known as Covered California, is currently allowing licensed insurance agents to become certified to help reach and enroll millions of Californians through...
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5 HRA Tips for Employees
As more and more small businesses use a stand-alone Health Reimbursement Arrangement (HRA) to offer health benefits, employees often have questions about how the HRA works, and how to get the most...
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How Small Businesses Buy Health Benefits - 4 Characteristics
Small businesses make up the majority of US employers, with 78% of employers (6.1 million) employing fewer than 50 employees. Small and medium businesses combined account for approximately half of all...
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Rhode Island Health Insurance Exchange Update – Finalized Rates
The Rhode Island Health Insurance Exchange, known as HealthSource RI, recently released finalized health insurance premium rates that will be offered for individuals and small businesses through the...
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FAQ: Do I Have to Buy Health Insurance in 2014?
If you're an employee who is not covered by employer-sponsored insurance, or who is currently uninsured, then you may be wondering "do I have to buy health insurance in 2014"?As part of health care...
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Will Your Employees Benefit From the Health Insurance Marketplaces?
Starting in 2014, health insurance coverage for individuals will become available through new state individual health insurance marketplaces. Most importantly, the individual health insurance tax...
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How to Apply for Individual Health Insurance (Post-2014)
How will people apply for individual health insurance post-2014? What questions will be asked, and how will the process work? These are common questions. If employees are familiar with applying for...
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IRS Publication 502 and HRA Eligible Medical Expenses
IRS Publication 502, Medical and Dental Expenses, defines medical care for the purpose of deducting medical expenses, and reimbursing medical expenses through programs such as HSAs and HRAs. Health...
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Small Group vs. Large Group Health Insurance - How Rates and Coverage Stack Up
The United States is home to over seven million employers, of which 98% of are small employers with less than 200 workers. As reported in a recent study by the Kaiser Family Foundation, health...
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Utah Health Insurance Exchange Update – Plan Rates
On August 22, the Utah Insurance Department released proposed rates for individual and small group health insurance plans that will be offered through the Utah Health Insurance Exchange starting...
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Study: 48% of Individual Health Plan Holders to Qualify for Discounts
If you currently have a health insurance plan that you purchased on your own (an individual or family health plan), there's a 50/50 chance you will qualify for the individual premium tax subsidies that...
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The 5 Compliant HRAs of 2014 and Beyond
In the sea of new health reform regulations, employers, brokers, and employees alike are wading through the regulations to understand how health reform impacts their health plans, including Health...
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How HR Can Free Up Strategic Time with a Defined Contribution Approach
Every small business owner and HR manager wants to spend more time on strategic issues, and less time on transactional items.For example, we all have those "big ideas" that stay on our to-do list for...
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IRS Publication 969 - Guidelines for HSAs, HRAs, MSAs, and FSAs
IRS Publication 969 "Health Savings Accounts and Other Tax-Favored Health Plans" provides the general rules for Health Savings Accounts (HSAs), Health Reimbursement Arrangements (HRAs), Medical Savings...
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South Dakota Health Exchange Update – Plan Rates
The South Dakota Health Insurance Exchange recently released premium rates for health insurance plans that will be offered on their individual and small business "SHOP" exchanges ("marketplaces"). The...
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Employer Health Insurance Survey 2013
Every year, Kaiser Family Foundation publishes its annual Employer Health Insurance Survey. The survey provides a detailed look at trends in employer-sponsored health benefits, including premiums,...
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Employee Retention - The Real Cost of Losing an Employee
For businesses to thrive in today’s economy, finding and retaining the best employees is important. This is especially true for small businesses and nonprofits competing with larger businesses, and...
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Health Reimbursement Arrangements (HRAs) For C-Corporation Owners
Health Reimbursement Arrangements (HRAs) are employer-funded plans that allow a business to reimburse employees tax-free for qualified medical expenses such as co-payments, deductibles, and qualified...
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Insurance Agent FAQs for Registering with the Health Insurance Marketplaces
When the health insurance marketplaces open on October 1, 2013, U.S. residents will have multiple options for assistance. Insurance agents and brokers are expected to play a critical role in helping...
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