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Health Benefits Blog

Five tips to start offering employees health benefits

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 budget.

Defined...  |  Gabrielle Smith

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How Much Can You Save with a Higher...

Find out how enrolling in a high-deductible health insurance plan can save...

Seven ways to save on health insurance

Learn seven ways to save on health insurance, from health reimbursement...

Five tools every insurance agent should have

Learn the five essentials tools every insurance agent should have at the...

Should I offer an HRA, an HSA, or both?

Learn the difference between health reimbursement arrangements (HRAs) and...

Employer mandate - What happens if we don't...

The employer mandate requires applicable large employers (ALEs) to offer...

Can employers pay for employees' individual...

Considering offering a health reimbursement plan as an employee benefit?...

Does COBRA apply to health reimbursement...

Learn which COBRA rules apply to each type of HRA, including the qualified...

FAQ: What is a Section 125 POP...

Changes in Section 125 POP (Premium-Only-Plan) regulations allow employees...

Two ways an employer can contribute to an...

There are two ways an employer can contribute to a health savings account,...

How Much Does Individual Health Insurance...

How much does individual health insurance cost? Learn average costs for...

What employers need to know about HRA debit...

HRA debit cards seem simple, but they come with a lot of hassle. Get what...

HRA plan documents: what are the...

An HRA Plan Document allows you to offer a Health Reimbursement...

HRA vs. HSA (reimbursement arrangements vs....

Comparing HSAs vs HRAs. For most businesses, HRAs are superior to HSAs -...

HRA vs. HSA vs. FSA comparison chart

Compare three of the most popular account-based health plans: HRAs, HSAs,...

How to set up an HRA

Learn the six-step process to start offering your first health...

Making the switch from group health...

Learn the three-step process for canceling your group health insurance...

Five-minute guide to medical loss ratios...

Medical loss ratios (MLRs) keep insurance companies from spending your...

Section 125 Premium Only Plan rules &...

When the rules and regulations are followed, a Premium Only Plan can be a...

Do I need a third-party administrator (TPA)?

Learn about third-party administrators (TPAs)—what they do, how much they...

Tax exclusions vs. tax deductions vs. tax...

Tax Exclusions vs Deductions vs Credits. Learn the difference between the...

Adjusted gross income vs. modified AGI

How to calculate your Adjusted Gross Income (AGI) and Modified Adjusted...

Four common types of health insurance plans

Pros and cons of health insurance plans. Preferred provider organization...

FAQ: What is an HSA High Deductible Health...

Definition of HSAs and High Deductible Health Plans (HDHPs) and...

Public vs. private exchanges - what's the...

Public vs Private Exchanges - An overview of the difference between...

The Right Way to Cancel Your Individual...

Tips to correctly cancel or change your individual health insurance policy.

9 Individual Health Insurance Terms You...

Individual Health Insurance terms. Knowing these 9 individual health...

What is a Healthcare Benefit Allowance?

An overview of healthcare benefit allowances. HRAs and defined...

Five tips to start offering employees health...

Ready to start offering employee benefits for the first time? Get the five...

How does the employer mandate apply to...

ACA employer mandate controlled groups rules. How controlled groups are...

What can an HRA reimburse?

Learn some of the most popular products and services you can purchase with...

FAQ: Does my small business have to provide...

Does my small business have to provide health insurance? How to calculate...

Pros and cons of stand-alone HRAs

What are the pros and cons of HRAs for employers? This list provides pros...

HRA Eligibility By Type of Small Business...

Are owners eligible for HRAs? A quick overview of which types of owners...

HRAs and healthcare ministry sharing programs

Offering an HRA and a healthcare sharing ministry program together can be...

Comparison of Individual Health Insurance...

Individual health insurance vs. group health insurance. What's the...

Health Savings Accounts (HSAs) - 10 FAQs

Here are 10 frequently asked questions on Health Savings Accounts (HSAs)....

The ACA's 60-Day Notice of Material...

60-day material modification rule. An overview of the 60 day material...

Employee retention: The real cost of losing...

What is the real cost of losing an employee? A look at the cost of losing...

How to use an HRA as a C-corporation owner

Find out how an HRA works for C-corporations, special perks for...

Who can administer a Health Reimbursement...

Who can administer a health reimbursement account? A small business FAQ is...

Can I Offer a Health Insurance Stipend to...

Can you provide health insurance stipends to employees? Businesses can...

Top five health insurance terms to know

Learn the five most common health insurance terms you need to know when...

Section 105 plans for dummies

There are many different section 105 plans you can use to offer health...

Why Individual Health Insurance is More...

Read why individual health insurance is more affordable than group...

Three questions to ask when picking a health...

First time shopping for your own health insurance? Learn the three most...

Infographic: How much does a hospital stay...

What is the cost of one hospital stay? This infographic shows the cost of...

Why you need to calculate employee retention...

Calculate HR Employee Retention Rates. An overview of how to calculate...

What health insurance premiums can Section...

Discusses the types of health insurance premiums Section 105 plans can...

The six small business owner structures

This article gives an overview of the six small business structures for...

How to draft your first summary plan...

Get everything you need to know to draft, distribute, and update a summary...

Healthcare reimbursement plan - What is it?

Learn how to reimburse your employees' medical expenses using a health...

Fully-insured vs. self-insured (self-funded)...

Fully-Insured vs. Self-Insured Health Plans. A look at the definitions,...

10 things you need to know about selling...

The 10 things health insurance professionals need to know about selling to...

A health insurance solution for employees in...

Health insurance is challenging for companies with employees in multiple...

How to Cancel Group Health Coverage

Here's how to cancel your group health coverage. Follow these three easy...

How do Medical Expense Reimbursement Plans...

Everything you need to know about Medical Expense Reimbursement Plans...

What are Consumer Directed Health Plans...

An overview of Consumer Driven Health Plans, CDHPs. What are CDHPs? How...

Seven reasons for rising healthcare costs

Explore seven reasons for the rise of healthcare costs in the United...

FAQ: What is a Qualified Health Plan (QHP)?

What is a Qualified Health Plan (QHP)? An overview of Qualified Health...

What is minimum essential coverage (MEC)?

Learn which types of insurance are considered minimum essential coverage,...

Group Health Plan vs. Group Health Insurance...

The terms 'group health plan' and 'group health insurance plan' are often...

How do I calculate the number of full-time...

How to calculate the number of full time equivalent (FTE) employees. The...

How Section 125 cafeteria plans work

Section 125 Cafeteria Plans. An overview of how Section 125 Cafeteria...

Health insurance options for pastors and...

Health insurance options for pastors. An overview of health insurance...

How to calculate modified adjusted gross...

Are you curious about how to calculate your Modified Adjusted Gross...

How much does group health insurance cost?

This article contains information about cost trends for group health...

Is our organization’s health coverage...

Learn which health plans meet minimum value and the potential penalties in...

Keeping an Open Line of Communication with...

Here are six tips for small businesses, startups, and HR on ensuring that...

The secret to employee retention

Employee retention is more important than you might think. We've got four...

Everything you need to know about premium...

Everything you need to know about premium tax credits—what they are, who...

Six HR rules you need to know

There's a lot more to HR than just managing employees and making...

Three types of employee reimbursement

Learn how small business owners can reimburse employees for business,...

How to Get Out of Your Employer's Group...

Wondering how to get out of your employer's group health plan mid-year?...

How to set up your first HR department in...

An HR department is a crucial part of your organization. This four-step...

Five tactics to become an employer of choice

Learn five ways your organization can finetune your brand, culture, and...

How to handle workplace conflict

How do you handle workplace conflict as an employer? This article...

How Medicare premiums are calculated

If you're considering Medicare, it's important to know how premiums are...

Four ways to keep your employees healthy and...

Prioritizing your employees' wellbeing matters now more than ever. We've...

FAQ - Can we give employees money for health...

There is a right way to give employees money for health insurance. Learn...

Pre-tax vs. after-tax medical premiums

Overview of when medical premiums are pre-tax vs. post-tax. Learn how...

4 Common questions about health...

The rules for HRAs have changed over the years. This article discusses how...

Section 105 Plan vs Section 125 Cafeteria...

Section 125 v Section 105 Plans. How Section 125 cafeteria plans and...

Q&As on Form 720 and PCORI Fees

In this article, we answer common questions about Form 720 and the PCORI...

What are the Pros and Cons of Health...

Health insurance stipends are one way small businesses can help employees...

Five advantages of employee benefits for...

Employee benefits are expensive, but there are five big advantages—even on...

Tax treatment for employee medical expense...

Reimbursement of employees’ medical expenses is popular among small...

FAQ - How much does it cost to provide...

An overview of the cost of providing health insurance to small business...

What are the most important benefits to...

Offering employee benefits is essential, but difficult on a small business...

What Percent of Health Insurance is Paid by...

What percent of health insurance is paid by employers? Take a look at the...

What CPAs should know about health...

CPAs need to stay up-to-date on health reimbursement arrangements (HRAs)...

Can health insurance costs be written off on...

As a business owner, it is smart to evaluate all tax write-offs available....

Small Business 101 - the definition of...

This 101 article covers the definition of employee benefits, types of...

Examples of common small business employee...

Just because your organization is small doesn't mean you can't offer...

8 reasons health insurance costs continue to...

Here is a concise summary of eight key trends driving the rising health...

HSAs, FSAs, and HRAs: Which is best for my...

If your small business is looking to reimburse employees for medical...

Establishing an IRA plan for your employees

Learn about the three types of IRAs employers can use to encourage their...

6 Answers to Common HSA Questions

Do you have questions about how to use your health savings account (HSA)?...

The Pros and Cons of Healthcare Sharing...

Many people use healthcare sharing as an alternative to traditional health...

How to Tell If Your High-Deductible Health...

How can you tell if your individual health insurance policy makes you...

Using HSAs with Social Security and Medicare

You can use your HSA in conjunction with Medicare and Social Security....

How HSA Contribution Limits Work for Spouses

When each spouse has their own individual health insurance, can they each...

How to set up a qualified small employer HRA...

Considering a qualified small employer HRA (QSEHRA) at your company? It's...

How Nonprofits Can Offer Affordable Health...

Nonprofits often struggle with health insurance cost for their employees,...

How to Switch to Your Spouse's Health...

If you're switching to a spouse's insurance policy from group health...

How to choose an HRA plan administrator

Managing an HRA yourself can be complicated and costly if you are found...

How the QSEHRA works for employees without...

Learn how your uninsured employees can benefit from a QSEHRA and how to...

Which benefits have the biggest effect on...

As the job market braces for the future, some employee benefits are more...

What is a QSEHRA?

The qualified small employer HRA (QSEHRA) enables employers with fewer...

Perks of offering a QSEHRA and an HSA...

Learn the differences between an HSA and a QSEHRA, how they can work...

QSEHRA plan documents: what are the...

ERISA requires small businesses offering a QSEHRA to establish plan...

Small business health insurance costs: What...

Small business health insurance costs are on the rise. In addition to...

How Does an HRA Work?

HRAs are growing increasingly popular, but how exactly do they work? And...

What constitutes a group for health...

Many organizations want to know whether they are required to offer...

Can you offer health insurance to certain...

Small businesses have numerous questions about health insurance—including...

Is health insurance reimbursement taxable?

Health insurance reimbursement can be tax-free for your business and its...

Important deadlines for health reimbursement...

If you offer a health insurance reimbursement arrangement (HRA) to your...

What are the W-2 requirements for a QSEHRA?

Learn the IRS reporting guidelines for the QSEHRA as well as other general...

What is an individual coverage HRA (ICHRA)?

An individual coverage HRA (ICHRA) integrates with individual health...

How the QSEHRA works for spouses

Looking to use the QSEHRA as a spouse? There are certain requirements for...

QSEHRA vs. ICHRA: How do they compare?

Learn the key differences between a qualified small employer HRA and an...

Determining ICHRA Affordability in 2021

How to calculate what the IRS considers affordable for individual health...

Is an HRA a good fit for my organization?

In this article, we list out the characteristics of the perfect HRA...

How California's individual mandate affects...

Various state-wide individual mandates have gone into effect in 2020,...

The CARES Act effect on HRAs, HSAs, and FSAs

The CARES Act is a new law that affects eligible expenses for HRAs, HSAs,...

What we learned in the first 90 days of the...

The long-anticipated individual coverage HRA (ICHRA) finally went into...

Business owner eligibility under an ICHRA...

See our infographic that shows the types of business owners who can...

What you should know about Hawaii’s Prepaid...

Hawaii has a unique health care law that requires employers to offer...

What to know about medical reimbursement...

A guide to medical reimbursement plans

Business owner eligibility under a group...

See our infographic that shows the types of business owners who can...

High deductible health plan: is it right for...

Get an overview of the pros and cons of high deductible health plans...

Choosing between high vs low deductible...

You only need the 6 minutes it takes to read this post to learn how to...

7 Group Coverage HRA rules to know

Thinking of offering a Group Coverage HRA? Make sure you follow these 7...

Proposed rules could deliver HRA tax savings...

Proposed regulations will expand programs eligible for HRAs and...

The 2-minute QSEHRA guide

Learn the basics of what a QSEHRA really is and how it works in just 2...

The 2-minute ICHRA guide

Learn the ICHRA basics and how it works in just 2 minutes. There's no...

Is a Group Coverage HRA Right For My...

Questions you can ask to determine whether a group coverage HRA (GCHRA) is...

eBook Helps Small Businesses Hire and Retain...

Strategies to find and retain employees who can help your organization...

An Introduction to the Qualified Small...

A brief history of the QSEHRA and how it compares to popular health...

Individual coverage HRAs (ICHRA) and Medicare

Discusses the regulations for offering ICHRA to employees who have opted...

2021 HSA contribution limits

Summarizes 2021 HSA (health savings account) contribution limits.

IRS adds ICHRA affordability codes to Form...

IRS adds ICHRA affordability codes to Form 1095-C

ICHRA Affordability and Premium Tax Credits

Employers with many employees eligible for a PTC should provide ICHRA...

Can section 125 plans be used with an ICHRA?

This article discusses the rules for combining ICHRA (section 105) and...

Lost your group insurance to COVID-19? Check...

Want to know what individual health insurance costs in your state? We...

Can I offer an ICHRA only to out-of-state...

Learn when minimum class size rules for ICHRA apply and how rating areas...

Can I offer QSEHRA to employees in different...

QSEHRA is a great option for small to medium sized organizations with...

How to make a high deductible health plan...

How employers can make high-deductible health plans work for their...

The Benefits and Perks Your Company Should...

Employee benefits and perks are an integral part of your employee...

How a group coverage HRA can help nonprofits

A group coverage HRA is a great way for nonprofit organizations to save on...

Easily compare group and individual...

A new PeopleKeep tool makes comparing group and individual health...

ICHRA reporting requirements: what you need...

Here's what employers who use an ICHRA need to know when it comes to tax...

Online advances increase healthcare access...

Even as healthcare costs surge, online businesses have led a wave of...

5 steps to a successful ICHRA launch

We learned from hundreds of employers over the past year how to...

Can domestic partners participate in an...

Discusses the IRS regulations around whether domestic partners are...

Four Ways to Save Significantly on Your...

People can save significantly by buying prescriptions from online, generic...

Take control of group health insurance costs...

A group coverage HRA (GCHRA) can give employers much more control over...

2020 Federal Poverty Guidelines

The IRS has released the 2020 Federal Poverty Level guidelines used to...

5 Steps to a Successful QSEHRA Launch

We've learned from thousands of employers how to successfully offer and...

FAQ - ALEs and Employer Mandate

What is an applicable large employer (ALE) and how does the ACA's employer...

How a GCHRA and an HSA compare

This article describes how group coverage HRAs compare to HSAs to help...

IRS increases employer mandate penalties for...

The IRS recently updated its Q&As for the ESRP with increased penalties...

2021 QSEHRA contribution limits

According to the latest IRS release, small businesses offering a QSEHRA...

Individual health insurance premium prices...

The CMS has released its annual report for 2021 premium pricing. Here's...

The First 9 Months of ICHRA Report

PeopleKeep analyzed and compiled ICHRA customer data to bring you a...

FAQ: Open Enrollment 2021

Answers to the most common questions customers ask us about open...

Tax-free vs. tax-deferred vs. taxable health...

Learn the difference between categories of health benefits that are...

PeopleKeep ICHRA affordability calculator...

Online software helps employees quickly determine if an ICHRA allowance...

What a Biden Administration may mean for...

What we might foresee changing in the arena of health reimbursement...

How can I help employees with group coverage...

A group coverage HRA is a great way to help employees with out-of-pocket...

Health Insurance Explained: How age impacts...

Learn how your age affects the price you pay for your health insurance...

What you can—and can't—change mid-year in...

Learn exactly what you can change about your ICHRA plan design during the...

What to expect when your employer offers you...

You just got told you're being offered an ICHRA. Now what? Learn what it...

Does the ICHRA require a Summary of Benefits...

Group health plans require issuers to provide a Summary of Benefits and...

Does a group coverage HRA require a high...

Group coverage HRAs (GCHRAs) are usually connected to high deductible...

U.S. healthcare Marketplace reopening to...

U.S. President Joe Biden is expected to sign an executive order today,...

How to use an HRA special enrollment event...

In this article, we outline how special enrollment periods (SEPs) work,...

2021 QSEHRA Annual Report

Our 4th annual QSEHRA Annual Report analyzed data from more than 2,500...

The difference between direct primary care...

Learn the similarities and differences between direct primary care and...

ICHRA administration for first-timers

Learn the steps you’ll take to set up your own ICHRA, administer it...

The complete history of employer-provided...

Learn the history of employer-provided health insurance in the U.S., how...

Need-to-knows about ICHRA substantiation...

Learn the steps employers need to take to ensure employees and their...

Does an HRA work with Medicare?

Find out how to combine your Medicare and HRA benefits based on each HRA...

Five ways the American Rescue Plan will help...

Five major changes the American Rescue Plan has made that are specifically...

2021 federal poverty guidelines

Find out what federal poverty guidelines are, how the IRS uses them, and...

Pros and cons of PPO plans

The preferred provider organization plan is the most popular...

How to use group health insurance with an HRA

Find out how employers can offer both group health insurance and an HRA...

How to get in on new Marketplace savings and...

The American Rescue Plan has lowered the cost for Marketplace health...

QSEHRA self-administration for first-timers

Learn the steps it takes to self-administer a QSEHRA compliantly—and see...

Are HRAs subject to Medicare Secondary Payer...

If you have employees that are on Medicare and participating in an HRA,...

How to choose between offering group health...

Learn the pros and cons of offering a group health insurance plan, an HRA,...

Five tips for building a positive workplace...

When your employees are stretched too thin, implement these five tips for...

A sneak-peek at the future of...

Data from the Kaiser Family Foundation reveals how employers feel about...

Seven strategies to set a QSEHRA budget

Not sure how much of a monthly QSEHRA allowance to offer? We’ll walk you...

Top three types of employer-sponsored health...

Small employers need to offer health benefits to stay competitive. Learn...

2022 HSA contribution limits

The IRS released 2022 HSA guidelines, including updated contribution...

Small group health insurance for beginners

Everything small businesses need to know about small group health...

How to use an HRA to attract new hires

Learn how to best communicate your HRA to prospective hires so you can use...

2021 QSEHRA Annual Report on Nonprofit...

The QSEHRA works well for more than traditional businesses. Nonprofit...

Seven-step checklist for hiring your first...

Learn the seven steps to hiring your first employee so you’ll be ready to...

Supreme Court rules that the Affordable Care...

The Supreme Court has rescued the Affordable Care Act from repeal. Find...

Learn more about each HRA

QSEHRA

Employers with 1-49 employees

A simple, controlled-cost alternative to group health insurance.

Learn More

ICHRA

For employers of all sizes

A flexible health benefit solution that can be used alone or alongside group health insurance.

Learn More

GCHRA

For employers offering group coverage

A group health supplement to help employees with out-of-pocket expenses.

Learn More