Clik here to view.
FAQ - How Much Does Individual Health Insurance Cost?
A common misconception about individual health insurance is that it costs more than employer-based (“group”) health insurance. When in fact, on average, individual health insurance costs up to 60...
View ArticleClik here to view.
HSAs vs HRAs (Savings Accounts vs Reimbursement Arrangements)
Which is better: A Health Reimbursement Arrangement (HRA) 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....
View ArticleClik here to view.
Does My Employer Have to Provide Health Insurance?
With health care reform, a common question is does my employer have to provide health insurance? Not necessarily. The health care reform law, called the Affordable Care Act (ACA), requires certain...
View ArticleClik here to view.
FAQ: Does My Small Business Have to Provide Health Insurance?
As a small business owner, you may be asking, "do I have to provide health insurance to employees?" No business has to offer health insurance. However, the Affordable Care Act includes a mandate for...
View ArticleClik here to view.
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...
View ArticleClik here to view.
Fully-Insured vs. Self-Insured (Self-Funded) Health Plans
Employers setting up a health plan need consider both the type of health plan to offer, and how the health plan will be structured. There are two common ways to structure a group health insurance...
View ArticleClik here to view.
How to Calculate Modified Adjusted Gross Income (MAGI)
The Affordable Care Act (ACA) introduced premium tax credits to give you and your family a discount to buy health insurance coverage through the Health Insurance Marketplace. If you are eligible,...
View ArticleClik here to view.
2016 HSA Contribution Limits
A Health Savings Account (HSA) is a tax-advantaged savings account paired with a qualified high-deductible health plan (HDHP). With an HSA there is an annual contribution limit adjusted each year by...
View ArticleClik here to view.
Guide to Calculating Employer Shared Responsibility Fees in 2016
It’s no secret that the world of health insurance benefits is complex and always changing. Learning how to calculate Employer Shared Responsibility fees this year requires answering a handful of...
View ArticleClik here to view.
How to Adjust Employer Shared Responsibility (ESR) Fees for Inflation
If you are an Applicable Large Employer (ALE), then you are already aware of the Employer Shared Responsibility (ESR) fees, more commonly known as the Employer Mandate. What you may not be aware of is...
View ArticleClik here to view.
Avvo Study Reveals Small Business Owners See Basic Legal Help as a “Big...
A study from the legal advice website Avvo reveals that many small and medium-sized business (SMB) owners consider lawyers a luxury for larger, more established businesses. The study, conducted in...
View ArticleClik here to view.
Post-Open Enrollment Contribution Strategies
Open enrollment season marks transition and improvement for so many people and organizations — and small businesses are no exception. Now that open enrollment has just come to a close, one way to...
View ArticleClik here to view.
Top 5 Health Insurance Options for Small Groups in 2016
Finding the right type of health insurance plan to offer the employees of your small business is never easy, but it’s definitely easier than it used to be. The Affordable Care Act has ushered in...
View ArticleClik here to view.
Individual Health Insurance Costs - A Win for Small Businesses?
Ask a trusted colleague about the which type of health insurance costs less - group or individual coverage - and I bet you will hear, hands down, a group policy costs less. After all, your small group...
View ArticleClik here to view.
What Percent of Health Insurance is Paid by Employers?
When evaluating a new or existing health insurance program, your company’s contribution strategy is an important consideration. In simple terms, how much will individual employees pitch in for...
View ArticleClik here to view.
What Your CPA Should Know About Healthcare Reimbursement
Today CPAs and tax professionals are being asked to explain intricate health insurance markets and regulations, and make decisions about what is best financially for small businesses and individual...
View ArticleClik here to view.
Individual Health Insurance Reimbursement - The Employer Cost, and How to Do It
Researching small business health benefits often starts with group health insurance quotes, reviewing different carriers, coverage levels, and costs. But if you’re in sticker shock or if a group...
View ArticleClik here to view.
10 Truths About the Health Insurance Premium Tax Credits
Health insurance premium tax credits can make individual health insurance more affordable for many Americans. And yet, as a small business owner or manager, it’s common to have questions about how the...
View ArticleClik here to view.
Individual Mandate Penalty On The Rise for 2016
Do you currently have health insurance? If you don't, watch out, because penalties for being uninsured are on the rise. As part of the Affordable Care Act (ACA), most Americans are required to have...
View ArticleClik here to view.
Health Insurance Premium Tax Credit Income Limits - What are They?
The health insurance premium tax credits can make individual health insurance more affordable for many Americans. You are eligible for a tax credit if your earnings fall between certain income limits...
View Article