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Health Reimbursement Arrangements (HRAs) - Qualified Medical Expenses for 2015
Small businesses are increasingly looking to Health Reimbursement Arrangements (HRAs) to contribute tax-free to employees’ healthcare. HRAs allow employers to reimburse employees for eligible medical...
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Understand MAGI with These 4 Surprisingly Simple Tips
Modified Adjusted Gross Income, or MAGI, is a measure used by the IRS to determine eligibility for certain deductions, credits (including premium tax credits), or retirement plans. Although the term...
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Sample Medical Reimbursement Plan
Section 105 medical reimbursement plans, such as Healthcare Reimbursement Plans, offer employers a way to reimburse employees for individual health insurance. Using a tax-free reimbursement plan helps...
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4 Alternatives to Stand-Alone HRAs
Stand-alone Health Reimbursement Accounts (HRAs) have been a popular tool used by small businesses for reimbursing employees for individual health insurance and out-of-pocket medical expenses. The...
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4 Rules for Giving Employees Cash for Health Insurance
Today, it is common for small employers to help employees with their personal health insurance - instead of contributing to a group health insurance policy. In fact, only 54% of small and midsized...
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6 Questions to Ask Before Offering Health Benefits [Zane Benefits Blog Feature]
At small dental practices, the idea of offering health benefits to employees is exciting, yet the task of evaluating and budgeting for health benefits can feel daunting. What strategy is right for...
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Pre-Tax vs. After-Tax Medical Premiums
A common question we receive from small business owners is about the tax deductibility of medical premiums. Here is an overview on when medical premiums are pre-tax vs. after-tax (“post-tax”).
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6 Simple Ways to Strengthen Strategic Thinking For Your Small Business
For small business owners, the busy track of entrepreneurialism often railroads the daily thought process, providing little time for growth and strategic thinking. In fact, only four to seven percent...
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How to Afford Health Benefits (and Lower Employee Turnover Costs)
Employee health benefits are expensive, and for many small businesses, purchasing health insurance is out of reach. But here’s a different way to think about health benefits; offering health benefits...
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Employees are Requesting Help with Health Insurance - What Can We Do?
Employees are requesting help with the cost of their health insurance, and your small business would like to contribute. What can you do? It’s pretty simple. Help them with the cost. How? There are...
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Start Offering Health Benefits to Find Your Small Business's Competitive Edge
As a small business owner, there are dozens of ways to measure success. Success is launching new ideas, profits earned, and contributions to the community and industry. But perhaps the most central...
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Reimbursement of Healthcare Expenses - Strategies for 2015
Reimbursement of healthcare expenses is a common strategy among employers of all sizes because it allows employers to control healthcare costs and provides employees more choice in how they spend...
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4 Reasons Nonprofits are Switching to Individual Health Insurance
When it comes to health benefits, controlling costs has become a major challenge for small nonprofit organizations. Each year, leadership teams are faced with tough fiscal decisions at health...
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The History of Health Insurance Reimbursement [Compliance Timeline]
As more and more small employers adopt health insurance reimbursement strategies (aka premium reimbursement arrangements), a common question from employers and advisors is about compliance - what...
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Why Small Businesses Need Increased Employee Health Benefit Options
Hint: It Goes Beyond Employee Recruitment and Retention With more Americans purchasing health insurance, the Affordable Care Act (ACA) has arguably accomplished an important goal: to decrease the...
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What Type of Health Benefits are the Right Fit? [Zane Benefits Blog Feature]
Ten or fifteen years ago, small business health benefit options were pretty simple: purchase a group health insurance plan. But today, the market has changed. There are new health insurance options...
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Which Reimbursement Plans Can Be Used for Health Insurance?
There are several medical reimbursement plans available to employers - HRPs, HRAs, HSAs, FSAs, and POPs. The acronyms can be confusing, and so can the new health care reforms. So, which reimbursement...
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What Can Health Reimbursement Arrangements (HRAs) Reimburse?
Health Reimbursement Arrangements (HRAs) are a type of medical reimbursement plan used to reimburse employees’ medical expenses tax-free. Whether your company currently offers an HRA, or you are...
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How Individual Health Insurance Reimbursement Works for Nonprofits [FAQs]
Small and medium-sized nonprofits face unique challenges with hiring and retaining employees. With limited resources, leadership teams must be strategic about how to allocate compensation and benefit...
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5 Easy Employee Retention Ideas to Start Today [Zane Benefits Blog Feature]
Most dental practices, even the small ones, have a strategy for recruiting and hiring employees. But once a team member is hired, how do you keep them on board? An employee retention program can help.
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