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The Health Reform Employer Penalty: Should I Pay or Play?
Employers, human resource departments, and business consultants of all sizes are trying to wrap their heads around the Affordable Care Act (ACA) and what it means for their bottom line. One of the key...
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Using an HRA with HCSO, San Francisco’s Health Care Ordinance
The San Francisco Labor Standards Enforcement allows a health reimbursement account (HRA) to be used to meet the Health Care Security Ordinance (HCSO) requirements of San Francisco. In this article, we...
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Penalties for Employers Not Offering Coverage Beginning in 2014
The Affordable Care Act does not require businesses to provide health benefits to their workers, but larger employers face penalties starting in 2014 if they don't make affordable coverage available....
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Over-the-Counter (OTC) Medicines and Drugs and HRAs
At Zane Benefits, a frequently asked question we receive in the Zane Benefits Participant Support department is can over-the-counter medicines and drugs still be reimbursed through my HRA? The answer...
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Defined Contribution: A Healthcare Win for Brokers, Employers & Employees
Employers need a competitive health benefits program to recruit and retain top employees, but traditional employer-sponsored health insurance has become unaffordable. As a result, businesses of all...
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5 Videos On Defined Contribution Healthcare
The Problem: Businesses needs competitive health benefits to recruit and retain top employees. After years of double-digit increases on group health insurance plans, businesses need new solution for...
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Election Update - Overview of the Candidates' Health Insurance Views
NAHU Director of Government Affairs, Brooke Bell, has graciously put together a presidential candidate health policy position cheat sheet to help health insurance brokers understand what the health...
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Penalties for Individuals Not Purchasing Coverage Beginning in 2014
The Affordable Care Act does not require individual to purchase health insurance, but most individuals face penalties starting in 2014 if they don't puchase qualified coverage for their household....
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5 ACA Compliance Issues for Employers
1. Is your health plan ready to disclose SBC’s (Summary of Benefits and Coverage)?Summary of benefits and coverage are now required to be disclosed for open enrollment periods beginning on or after...
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Health Reimbursement Arrangements (HRAs) vs. GAP Health Insurance
With the cost of employer-sponsored group health insurance continuing to rise, businesses are seeking solutions to help save on the cost of offering group health insurance.One of the most common cost...
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Health Care Reform Implementation FAQs
1. As an employer, do I need to do anything in 2012 now that this is law?The employer requirements for offering coverage and liability for penalties do not begin until 2014 and only apply to firms with...
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Why Health Insurance Brokers Need An HRA Administration Partner
The insurance industry is going through massive changes and employers are turning to health insurance brokers to provide them with answers. Regardless of the future of health care reform, here is an...
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5 Step Defined Contribution Health Insurance Evaluation
You've heard the buzz and read the statistics. Businesses across America are canceling traditional group health plans at a staggering rate. Many more businesses have never offered health insurance to...
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Business Health Insurance - 2012 Election Impact
The 2012 reelection of President Obama has brought certainty and clarity to the U.S. business health insurance market. Finally, employers and their health insurance brokers have the information they...
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With Election, Obamacare Survives (Again). What Now?
With President Barack Obama’s re-election this week, the hopes of the Affordable Care Act’s (ACA) biggest opponents have been all but dashed away. Many adversaries of the 2010 bill were hopeful that a...
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HHS Gives States More Time on Health Insurance Exchanges
As we reported last week, Obamacare is moving forward post-election, but many questions still remain about the Affordable Care Act’s implementation. At the forefront of these unknowns are health...
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Hamilton County, Ohio Instates MERP for Employees
Hamilton County’s Medical Expense Reimbursement Plan (MERP) aims to keep health benefits for all eligible employees while dramatically cutting costs for the county, which is in deep financial...
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Section 125 POP - Reimbursable Health Insurance Premiums
A Section 125 Premium-Only-Plan (POP) is a cafeteria plan that allows employees to pay their health insurance premiums with tax-free dollars. Since 2009, employees have been able to use POP plans to...
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HRAs Save Money for Businesses Keeping Group Health Plans, Too
On ClarifyingHealth.com, we often talk about the benefits of Health Reimbursement Arrangements (HRAs), and the mass adoption we are seeing among employers who have had to cancel group health, or would...
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Health Savings Account - HSA Eligible Expenses
A Health Savings Account, or HSA, is a financial account established by an individual or family to pay for HSA-qualified medical expenses. Individuals with an HSA receive a 100% income tax deduction on...
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