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1 Million Signed up for ACA Coverage During Special Enrollment Periods
Open enrollment for the Health Insurance Exchanges ("Marketplaces") closed last spring, but since then nearly 1 million Americans have acquired coverage or modified their plans through special...
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FAQ - Am I Eligible for Premium Tax Credits?
Premium tax credits are available to the majority of individuals and families who do not receive insurance through work. A common question is: "Am I eligible for the premium tax credits?" This article...
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IRS Releases Draft ACA Employer Reporting Forms
The Internal Revenue Service (IRS) issued draft versions of the Affordable Care Act (ACA) reporting forms large employers will begin using next year to report health coverage.
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83% of Employers Say the ACA is Driving Up Costs
Most employers (83 percent) say the Affordable Care Act is driving up the costs of their employer-sponsored health plans. A quarter (25 percent) say they are considering abandoning their health...
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Why Small Businesses Need Job Descriptions
Many small businesses don’t have current job descriptions, but they should. Here’s how well written job descriptions can help boost small business morale and recruit and retain top employees.
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What You Need to Know about Marketplace Auto-Enrollments
Early this month it was announced that consumers with Marketplace health plans would be able to auto-enroll in 2015, meaning they would not have to fill out a new application or go back through...
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What Is Individual Health Insurance?
Individual health insurance is a policy purchased by an individual for themselves and their family based upon personal needs and budget -- just like car insurance.
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Using Employee Classes with Premium Reimbursement to Recruit and Retain Key...
Recruiting and retaining great employees is important to every company; from major global corporations to the newest small business. Getting the best talent requires you to give them great...
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5 Things Small Employers Need to Know about Individual Health Insurance
Less than half of all small employers are currently offering health insurance because it is too expensive. That’s over 2.3 million small employers that aren’t offering health insurance to their...
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The Problem with Grossing Up Employees' Salaries for Health Insurance
Some small businesses and startups consider grossing up employees' salaries or wages to help with their individual health insurance. For example, a business might offer a taxable raise, stipend, or...
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Maximum Individual Mandate Penalty for 2014
The Internal Revenue Service (IRS) released the maximum individual mandate penalty an individual or family will pay for not having health insurance in 2014 -- $2,448 per person annually or $12,240 for...
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FAQs - Small Employer Health Insurance Credits
In 2010, the Affordable Care Act created the small business health care tax credits, also known as the small employer health insurance credits. This article provides FAQs to help small businesses...
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FAQ - Can We Help Employees Pay for Individual Health Insurance?
As small and medium sized employers evaluate health insurance, they are seeing the new advantages of individual health insurance including lower costs, more choice, portability, and guaranteed-issue...
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How to Reimburse Employees for Individual Health Insurance in 3 Easy Steps
Today, fewer than 50% of small businesses offer employees health insurance, largely because of the cost. That's over 2.3 million small businesses that don't offer health insurance. However, most want...
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Why it Makes Sense to Drop Your Group Health Plan Outside of Open Enrollment
Open enrollment is fast-approaching. Beginning November 15th, individuals will scramble to find a plan that best fits their needs, businesses will contemplate renewing an existing plan or pursuing...
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Ten Questions to Ask Premium Reimbursement Providers
With the cost of traditional health insurance on the rise, premium reimbursement plans are becoming a popular, affordable alternative. By using a compliant premium reimbursement provider, an employer...
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The 4 Key Tax Codes That Allow Tax-Preferred Premium Reimbursement
More and more, businesses are setting up self-insured medical reimbursement plans to reimburse employees tax-free for individual health insurance. As businesses transition to these types of premium...
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Why Use Premium Reimbursement Software?
With the cost of group health insurance on the rise, employers are facing enormous cost challenges and are seeking cost-effective alternatives to group health insurance. The emerging solution is...
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Employee Eligibility for Premium Reimbursement Health Plans
A common question from employers setting up a premium reimbursement health plan is about employee eligibility - what makes employees eligible for the plan?
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HSAs vs HRPs (Savings Accounts vs Reimbursement Plans)
Which is better: A Healthcare Reimbursement Plan (HRP) or a Health Savings Account (HSA)? The answer depends on what you are trying to accomplish and whether you are an employer or an employee. For...
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