Learn the difference between primary and secondary insurance and how you can legally coordinate the two if you have two health insurance plans.
An HR department is a crucial part of your organization. This four-step guide will help you build a successful and compliant HR team right from the...
The metal tiers health insurance plans are defined by—Bronze, Silver, Gold, and Platinum—are defined their actuarial value (AV). Get what you need to...
In this article, we’ll discuss the pros and cons of health insurance stipends, best practices, and a tax-free way to offer your employees’ insurance.
Let's go over how to switch to a spouse’s policy during and outside open enrollment and what circumstances trigger a special enrollment period.
Learn the differences between an HSA and a QSEHRA, how they can work together, and why small businesses should consider offering both at the same...
This blog explains what digital literacy is, why it’s important, and how you can foster it in your organization.
Learn what holistic health is, the different types of holistic doctors, and how you can offer holistic health benefits to your employees.
Find out if your small business qualifies for the small business health care tax credit to help you contribute to your employees’ health benefits.
Learn which health plans meet minimum value and the potential penalties in place if applicable employers don’t offer the right level of health...
Learn the steps employers need to take to ensure employees and their dependents participating in the individual coverage HRA (ICHRA) are properly...
This blog takes you through the ins and outs of pet insurance, how it works, what it does and doesn’t cover, and how you can offer it to your...
Let's go over what internal marketing is, some examples, and how to create a strategy that benefits your business.
Get a full list of qualifying life events that open a special enrollment period through the ACA, and learn how to submit the right documents to...
Find out which of your employees' personal health data is considered protected health information (PHI) and what you need to do to keep it safe.
Gift cards are a simple way to give your employees a token of appreciation, whether as a present or an employee reward. But, is there tax on gift...
Learn how to determine if you’re an applicable large employer, calculate FTEs, and what the healthcare requirements are for employers based on size.
This blog explains everything you need to know about boomerang employees, including pros and cons and how you can entice them to rejoin your...
You've got big ideas, and now it's time for action. Here's how to pitch your HR initiatives to get stakeholders' buy-in.
Find out which life events qualify you for a special enrollment period, allowing you to shop for health insurance outside of the open enrollment...
We define pre-tax and post-tax benefits, including typical examples, so you can choose the best benefits for your employees and optimize your tax...
In this blog, we’ll go over how to cancel your group health insurance coverage during the plan year and your options to enroll in a new policy.
The gig economy has shown incredible growth in the United States. However, to attract gig talent you'll need to provide personalized benefits.
Offering a meal allowance to your employees can greatly improve company culture and success. Let's learn how they work.
A toxic workplace culture can affect all your employees. This blog covers five signs of toxic work culture and how you can combat them.
In recent years education benefits have become one of the most in-demand employee benefits options alongside wellness programs.
In this post, we’ll discuss the requirements associated with QSEHRA plan documents and what information those documents should include.
In this article, we’ll compare group health and individual health insurance costs, and discuss a budget-friendly option for even more affordable...
Learn how to cancel your medical insurance and get tips to help you make smart decisions when changing your healthcare coverage.
Employees increasingly desire added benefits and perks over yearly wage increases. But, what's the difference between stipends and salary increases?
In this blog post, we’ll describe the employee benefits administration process and how benefits administration software can help you handle it.
By 2025, a quarter of the U.S. workforce will be made up of Gen Z employees. Is your organization prepared to hire and retain these young workers?
In this blog, we’ll discuss the nuances of group health insurance, including common questions and participation requirements.
In this article, we’ll discuss the differences between an HDHP and an LDHP and which type of plan will work best for you based on your specific...
Taxable health and wellness stipends are two of the most popular benefits available. Let's explore the differences between health and wellness...
This blog explains why Employee Appreciation Day is important and highlight five ways you can celebrate the day to show your employees you care about...
We discuss healthcare costs small organizations can expect when offering group health insurance and how they can control costs with an HRA.
Learn the pros and cons of the most common types of health insurance plans, such as PPOs, HMOs, HSA-qualified plans, indemnity plans, and...
Should employers cover the costs of remote work? Or does that responsibility fall to individual employees? See which states require expense...
This blog explains what an LSA is, its pros and cons, and offers an alternative benefit option you can use to invest in your employees’ overall...
This blog compares mandatory and voluntary benefits, list common types, and explains why adding voluntary benefits to your benefits package is...
In this blog, we'll take a comprehensive look at section 125 plans to help you better understand how they work for employers and employees.
When an employee quits, it can be a big hit on your business. Learn the cost of losing an employee and expert retention tips to keep it from...
In this blog, we’ll highlight six ways you can support employees with disabilities at your organization.
Get tips for both employers and employees to help lower employee benefits costs amid high inflation while offering a competitive compensation package.
In this article, we’ll guide you through the importance of benefits reconciliation, the different types of reconciliation, and how to reconcile...
Learn about the two most common ways to compliantly reimburse employees for their healthcare: taxable stipends and health reimbursement arrangements...
With so many people working from home, employers and state governments face new challenges regarding remote work taxation, nexus, and employee...
Nanny benefits make your compensation package more enticing. In this blog, we’ll go over typical benefits offered to nannies and how you can provide...
Find out what federal poverty guidelines are, how the IRS uses them, and why the Inflation Reduction Act has updated these guidelines.
If you’re new to ICHRAs, don’t worry! This blog answers 15 FAQs employers have about ICHRAs to help you understand how it can benefit your employees.
In this article, we’ll cover what S-corp owners must do to receive insurance, how to make tax deductions, and how HRAs and stipends affect...
Learn why nonprofit organizations are embracing health reimbursement arrangements (HRAs) and stipends in place of traditional group health insurance...
To help you understand how your HRA works, we've answered the ten most frequently asked questions about HRAs to help you understand this health...
This blog goes over what an RTO policy is and highlights five best practices to create a policy for your company that will serve your employees’...
Get tips on how to lower your medical bills, get financial assistance, and negotiate a more affordable payment plan with your healthcare provider.
We go over what a health benefits navigator is, how they’re different from agents and brokers, and how they can help you find a great health plan.
What is the cost of one hospital stay? This infographic shows the cost of health care for a hospital stay by insurance type and procedure.
There are many strategies you can use to reduce parents' stress at work. This blog will go over five ways you can support parents at your company.
Learn five ways your organization can finetune your brand, culture, and recruiting strategies to attract and retain the best staff at the lowest cost.
This blog will define HSAs, discuss how employers can contribute to an HSA, and provide other health benefit options.
Learn which types of insurance are considered minimum essential coverage, when you need qualifying coverage, and which kinds of coverage work with an...
A total rewards program can help your organization create employee loyalty, improve employee satisfaction, and boost employee engagement.
This blog details pay transparency, including its pros and cons, state-by-state requirements, and how you can boost your employee benefits package.
This blog will give you tips and tricks to help you find top manager talent so you can make the right hire for your organization.
The individual coverage HRA comes with COBRA requirements, but learning how they work can be complicated. We break down everything you need to know.
Everything you need to know about the reporting requirements for the individual coverage HRA for both applicable large employers and small employers.
What happens to unused HRA funds at the end of the year? Is it use it or lose it, or do HRA funds roll over year-to-year? Find out in our article!
Pre-employment screening allows you to gather additional information about candidates to make more informed hiring decisions.
When your employees are stretched too thin, implement these six tips for fostering a more positive workplace culture, helping you recruit and retain.
Learn how HRAs and FSAs are different, how they can work together, and what regulations you’ll need to keep in mind to coordinate your health...
Learn how your uninsured employees can benefit from a QSEHRA and how to compliantly administer the plan for both insured and uninsured employees.
Prioritizing your employees' wellbeing matters now more than ever. We've outlined several ways you can focus on the health and happiness of your...
As a small business owner or HR manager, you may be required to file IRS Form 941 every quarter. We'll explain what this form is and how to file it.
Learn the causes and signs of employee burnout, including how to create a positive work environment where employees feel safe and appreciated.
Choosing the right benefits plan administrator for your organization’s needs is essential for a good employee experience.
The FAQs in this article will shed some light on how the Affordable Care Act's (ACA’s) employer mandate affects applicable large employers (ALEs).
This article will define what a healthcare sharing ministry is, its pros and cons, and other alternative health plan options.
Reimbursing employees for their individual health insurance has a lot of advantages compared to offer a group health plan. See the top five in our...
As an employer or human resources professional, you must know the proper documents, forms, and rules for payroll and taxes for your organization.
In this blog, we go over the employee life cycle, including its stages, why it’s important, and tips and tricks to help you better optimize your...
Workplace design affects productivity, job satisfaction, and employee retention. When making updates to your office layout, consider these tips and...
In this article, we’ll go over HSAs, including eligibility, contribution limits, and how they work with HRAs to supplement your HDHP.
This article gives an overview of the eight small business structures for owners and how those impact tax benefits on health insurance.
When combined with your existing perks, free and low-cost employee benefits can help incentivize employees to stay with your organization.
While the shift toward personalized benefits may seem new, the trends fueling it aren’t. Find out why personalized benefits matter for your...
If you've heard the term modified adjusted gross income but aren't sure what it means, this article is for you. Learn about MAGI and how to calculate...
In this blog, we’ll explain and simplify the complexities of EEO-1 reporting requirements, including answering common questions for eligible...
This blog will show you four ways to offer health insurance coverage to your employees in multiple states so you can better support your remote...
Offering a competitive salary isn’t enough to recruit and retain employees. Providing indirect compensation is an excellent way to attract talent.
In this blog, we’ll discuss what offboarding is, why it’s important, and give you the top seven steps to take to offboard your employees effectively.
As an HR professional or business owner, there are many regulations you must keep in mind when offering employee benefits. IRS Form 5500 is no...
Individuals are becoming more involved in the health benefits process. But what is healthcare consumerism, and how does it affect employee health...
First time shopping for your own health insurance? Learn the five-step process so you can choose the right plan for you and your family.
With an ICHRA, you can divide your employees up into 11 different employee classes. See how using employees classes can help you customize your ICHRA.
Freelance and contract work is becoming more popular. What benefits should businesses offer to independent contractors?
Get an overview of earned wage access, its pros and cons, and other personalized benefits you can offer to increase employee retention.
If your employees use their personal cell phones for work, you can set up a cell phone reimbursement policy that outlines your procedures.
There's a lot more to HR than just managing employees and making handbooks. Here are important HR rules you need to know to be successful.
Learn everything you need to know about telemedicine, including its covered services, pros and cons, and how you can pay for your virtual appointment.
This blog will cover the requirements for offering health insurance to part-time employees as well as health benefit options available to employers.
Improving employee engagement, job satisfaction, and culture is important for creating an environment where top candidates want to work.
The IRS recently updated its Q&As for the ESRP with increased penalties for failing to meet the ACA employer mandate in 2022.
Certain benefits offerings require non-discrimination testing (NDT). Learn what non-discrimination testing is and why it’s important for your...
This blog goes over the types of stop-loss insurance, their pros and cons, and what you should consider before getting stop-loss insurance at your...
In this blog, we’ll define health insurance supplements, the common expenses they cover, and other options to supplement your group health plan.
Learn some of the most popular products and services you can purchase with your HRA allowance and what documents you need to get reimbursed.
Many organizations release ESG reports to attract investors and provide transparency to stakeholders, employees, and customers. But why is it so...
This blog goes over the 9/80 work schedule, its pros and cons, and how you can determine if it’s a good option for your business and employees.
Learn about the different types of compensation strategies, why they’re important, and how you can design one to fit your organization’s needs.
If you're an applicable large employer, you need an affordable allowance for your individual coverage HRA. See what the IRS considers affordable in...
Health insurance reimbursement can be tax-free for your business and your employees. Explore the tax differences between HRAs and healthcare stipends.
In this post, we’ll cover the pros and cons of HRAs and HSAs, highlight their primary differences, and discuss how they can be used together.
According to the latest IRS release, small businesses offering a QSEHRA must follow specific allowance cap guidelines. We cover them here.
Just because your organization is small doesn't mean you can't offer quality benefits. Here are some examples of common benefits that employees love.
Ready to start offering employee benefits for the first time? Get the five tips every small business owner needs to find a plan that fits their...
Get everything you need to know about bereavement leave and how you can create a policy that will give your employees adequate grieving time.
This article will explain what a 1099 employee is, how they differ from W-2 employees, and what rules you need to know when hiring a contractor.
In this blog, we’ll explain employee benefits, why they’re important, and their cost. We’ll also go over popular types of benefits and how to manage...
In this blog, we go over HSA contribution regulations, benefits of having two separate HSAs, and how they can work with health reimbursement...
It's important to understand the different types of employee reimbursement and how to account for them. Learn how to reimburse employees for...
In this article, we’ll walk you through how PTO works and why making a generous PTO plan a priority at your company is advantageous.
Following the COVID-19 pandemic and the Great Resignation, many employers have faced increasing vacant positions. Here's how to navigate a talent...
Interested in offering a health stipend in lieu of health insurance? Learn how stipends work and their tax implications, as well as other tax-free...
This article contains the top 25 U.S. health insurance companies. Understanding which companies are credible is a good way to begin providing...
Learn what a full-time equivalent employee (FTE) is, what your FTE number means if you’re an ALE, and how to calculate how many FTEs you employ.
Offering your employees student loan repayment benefits can be an attractive way to recruit job seekers thanks to rising student loan debt.
Everything you need to know about premium tax credits—what they are, who qualifies for them, and how to calculate how much you'll pay for insurance.
Learn how much employers typically pitch in for health insurance coverage and what percentage will be contributed by your employees.
The preferred provider organization plan is the most popular employer-sponsored health insurance plan in the U.S. Learn the pros and cons of the PPO...
In this article, we'll cover everything employers need to know about benefit cards and alternative solutions for your benefits administration.
Learn about high deductible health plans, their pros and cons, how much they cost, and how you can supplement your health plan for an even better...
As the job market braces for the future, some employee benefits are more important than ever. Find out which benefits are the most important in...
In recent years, the concept of a work-life balance has gained popularity. We'll explain why it’s essential and how you can maintain a healthy...
Learn the ins and outs of qualified health plans (QHPs), including how they’re categorized and how you can enroll in one.
Our article will guide you through the nuances of public and private health exchanges to help you make the best decision for you and your family.
In this article, we’ll explain what employee onboarding programs are, why they are vital for the success of your organization, and how to ensure...
For brokers, preparing for open enrollment starts early. Our blog will cover why early preparation is important and post-open enrollment...
Here are eight tips employers and human resources managers can leverage to ensure an open and honest line of communication with their employees.
As your company grows, so does the list of employment laws you need to follow. Learn the federal employment laws for your company size.
Everything you need to know about Medical Expense Reimbursement Plans (MERPs), how they work, and what type is best for your organization.
In this article, we’ll provide an overview on which parts of the Affordable Care Act affect everyone and which parts depend on the state you reside...
In this article, we’ll explore the two most common ways to structure a health insurance plan, fully-insured and self-insured.
Learn why health savings accounts (HSAs) can't be offered as a stand-alone benefit, but can be combined with other benefits, like a limited-purpose...
Understanding AGI and MAGI will give you a better idea of how the IRS determines your eligibility for tax deductions, credits, and retirement plans.
Learn about third-party administrators (TPAs)—what they do, how much they cost, and an alternative to TPAs so you can administer your own health...
Ready to go all-in on remote work? Make sure your organization has the right tools in place before you make the permanent switch.
Learn how your age affects the price you pay for your health insurance plan, why your state matters, and how to get help paying for your premiums.
Everything small businesses need to know about small group health insurance, including qualification requirements, cost, and how to set up a plan.
In this blog, we’ll go over everything you need to know about the Health Insurance Marketplace to better understand how the individual market works.
Small employers need to offer health benefits to stay competitive. Learn three of the most common ways you can offer health benefits on a budget.
Organizations are required to submit a W-3 form for their employees. But what is this form, and how does it differ from W-2 forms? Find out in our...
The best way to make sure that you’re putting your benefits dollars in the right place is to send out an employee benefits survey. Learn how to send...
Wondering why there's an 'H' or 'F' next to items on your receipt? Find out how to read the health codes on your receipts and why they're important.
Learn the seven most common health insurance terms you need to know when choosing an individual or family health insurance plan.
Learn how to identify the signs of low morale and how to correct your organization's trajectory so that you can foster a highly engaged team.
This article outlines five key strategies for preparing for open enrollment 2023 and effectively showcasing your employee benefits package.
Learn about the three types of IRAs employers can use to encourage their workers to save for retirement and why you might want to offer one.
How do you know if a CDHP is right for your business? In this blog, we’ll go over three popular questions employers have about CDHPs so you can learn...
Get everything you need to know to draft, distribute, and update a summary plan description (SPD) compliantly so your employees understand the HRA...
If you plan to offer fringe benefits, you need to know how to properly report the imputed income on a W-2 form. This article will help you do just...
One of the best ways to ensure your organization evolves is to invest in employee development that equips your employees with new skills and...
Employee misclassification can lead to financial consequences. To help you avoid these missteps, we’ll go over exempt and non-exempt classifications.
If you’re a small business owner, you may have received a notification from the IRS stating that you must file Form 944. But what is Form 944?
Personalized wellness benefits allow you to offer individualized programs to your employees. But what's the difference between wellness HRAs and...
How do you handle workplace conflict as an employer? We discuss ways to resolve workplace conflict, as well as ways to use conflict in positive ways.
Medical loss ratios (MLRs) keep insurance companies from spending your premium dollars unwisely. See how MLRs are calculated and what they mean for...
Hawaii has a unique healthcare law that requires employers to offer healthcare to employees. The requirements, and HRA compatibility, are explained...
This blog will take a look at what asynchronous work is and how you can implement it in your organization to create efficient and independent remote...
With remote interviews becoming the norm for many organizations, how can hiring managers ensure they’re conducting them properly?
This article will explain what an individual coverage HRA (ICHRA) is and the important ICHRA rules organizations should know to administer one...
This blog shows you how to calculate your employee retention rate, why retention matters, and best practices to improve the retention rate at your...
Let's discuss why inclusive culture is essential, along with five tips that will help you strengthen your inclusivity and improve the employee...
If your staff must commute to work, offering a commuter benefit can be an excellent incentive for attracting and retaining your employees
If you’re new to the hiring process, finding your first employee can be daunting. Learn the nine steps to hiring your first employee with our...
We'll help you understand the metal tiers of health insurance and explain how to determine if you qualify for any subsidies to help cover premium...
Explore eight reasons for the rise of healthcare costs in the United States and how you can offset your expenses with an HRA.
With so many regulations and compliance laws, you might wonder if your organization is HR compliant. To help, we've created a compliance checklist.
Learn why employers should offer fertility benefits, examples of common fertility benefits, and how to cover the cost with an integrated HRA or...
As a business owner, you may have heard of PCORI and the fees that come with it. We'll answer common questions about Form 720 and PCORI fees.
Compare three of the most popular account-based health plans: HRAs, HSAs, and FSAs, so you can choose the one that’s best for your organization.
One way to promote inclusivity in the workplace is to offer personalized benefits that give your employees more control over how they use their...
We go over account-based health plans and health reimbursement plans, their pros and cons, and when they can work for your business and employees.
While fringe benefits are primarily designed for your employees, there are cases where business owners can participate. Here's how.
Learn the steps you’ll take to set up your own ICHRA, administer it compliantly, and avoid the common mistakes that lead to financial penalties.
Read six reasons you should use benefits administration software at your company. We'll also explain how PeopleKeep can help you offer employee...
When choosing which benefits to offer your employees, you’ll want to consider flexible benefits from a vendor-neutral provider.
This article will cover how to attract job candidates as a startup and which startup benefits are most effective at recruitment.
There are HR software solutions for companies of any size. This article discusses what HR software does, why you need it, and popular HR software...
While bolstering your compensation package is an excellent way to attract candidates, your benefits need to align with and support your workers’...
Workers with wellness programs have less stress than works who don't. See how you can incorporate wellness programs into your employee retention...
This blog will go over at how controlled groups are subject to the employer mandate and how an HRA can help you meet the mandate’s requirements.
Understanding how your Medicare premiums are calculated can help you plan your healthcare finances. We'll go over what Medicare is and its current...
This article explains how you can craft a description that will appear in top job searches while resulting in highly qualified applicants
In this blog, we go over what zero cost sharing plans are and what other health benefit options exist for those that don’t qualify for zero cost...
This article will explain tax withholdings for fringe benefits, whether employee stipends are taxable, and how to administer compliant employee perks.
Not sure how much of a monthly QSEHRA allowance to offer? We’ll walk you through seven strategies you can use for determining your QSEHRA budget.
We go over everything you need to know about individual health insurance plans and the companies that provide resources to help you choose the right...
In this how-to article, we’ve got the HR tips and tricks HR professionals need to offer virtual open enrollment without a hitch.
How do veterinarians provide quality employee benefits to their staff without breaking the bank or taking on too much work? Find out in our article.