Personalized benefits blog: Expert insights on personalized employee benefits

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Small Business

The eight small business owner structures

This article gives an overview of the eight small business structures for owners and how those impact tax benefits on health insurance.

Applicable Large Employers

What is an EEO-1 report?

In this blog, we’ll explain and simplify the complexities of EEO-1 reporting requirements, including answering common questions for eligible...

Applicable Large Employers

Health insurance for employees in multiple states

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...


Seven steps to take when offboarding employees

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.

Small Business

What is Form 5500?

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...

Small Business

What is healthcare consumerism?

Individuals are becoming more involved in the health benefits process. But what is healthcare consumerism, and how does it affect employee health...

Employee Benefits

How to apply for individual insurance

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.

Small Business

Individual coverage HRA (ICHRA) employee classes

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.

Employee Benefits

Pros and cons of earned wage access (EWA)

Get an overview of earned wage access, its pros and cons, and other personalized benefits you can offer to increase employee retention.


HR rules you need to know

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.

Employee Benefits

What is telemedicine and how can I pay for it?

Learn everything you need to know about telemedicine, including its covered services, pros and cons, and how you can pay for your virtual appointment.

Employee Benefits

Employee engagement ideas and activities

Improving employee engagement, job satisfaction, and culture is important for creating an environment where top candidates want to work.

Small Business

What is non-discrimination testing?

Certain benefits offerings require non-discrimination testing (NDT). Learn what non-discrimination testing is and why it’s important for your...

Employee Benefits

What is stop-loss insurance?

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...

Employee Benefits

What is a supplemental health benefit?

In this blog, we’ll define health insurance supplements, the common expenses they cover, and other options to supplement your group health plan.

Health Reimbursement Arrangement

What can an HRA reimburse?

Learn some of the most popular products and services you can purchase with your HRA allowance and what documents you need to get reimbursed.

Small Business

What is ESG reporting?

Many organizations release ESG reports to attract investors and provide transparency to stakeholders, employees, and customers. But why is it so...

Employee Benefits

What is a 9/80 work schedule?

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.

Small Business

What is a compensation strategy?

Learn about the different types of compensation strategies, why they’re important, and how you can design one to fit your organization’s needs.

Applicable Large Employers

Determining ICHRA Affordability in 2023

If you're an applicable large employer, you need an affordable allowance for your individual coverage HRA. See what the IRS considers affordable in...


Is health insurance reimbursement taxable?

Health insurance reimbursement can be tax-free for your business and your employees. Explore the tax differences between HRAs and healthcare stipends.


Should I offer an HRA or HSA?

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.

Health Reimbursement Arrangement

2023 QSEHRA contribution limits

According to the latest IRS release, small businesses offering a QSEHRA must follow specific allowance cap guidelines. We cover them here.

Employee Benefits

Guide to bereavement leave

Get everything you need to know about bereavement leave and how you can create a policy that will give your employees adequate grieving time.


What is a 1099 employee?

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.

Health Reimbursement Arrangement

What are employee benefits?

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...

Health Savings Accounts

How HSA contribution limits work for spouses

In this blog, we go over HSA contribution regulations, benefits of having two separate HSAs, and how they can work with health reimbursement...

Small Business

Types of employee reimbursements

It's important to understand the different types of employee reimbursement and how to account for them. Learn how to reimburse employees for...

Employee Benefits

What is PTO?

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.

Small Business

What is a talent shortage?

Following the COVID-19 pandemic and the Great Resignation, many employers have faced increasing vacant positions. Here's how to navigate a talent...

Employee Benefits

Can I offer a health insurance stipend?

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...

Small Business

Top 25 health insurance companies in the U.S.

This article contains the top 25 U.S. health insurance companies. Understanding which companies are credible is a good way to begin providing...

Applicable Large Employers

How to calculate FTEs to determine ALE status

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.

Employee Benefits

How to start a student loan repayment program

Offering your employees student loan repayment benefits can be an attractive way to recruit job seekers thanks to rising student loan debt.

Employee Benefits

Guide to premium tax credits for health insurance

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.

Qualified Small Employer HRA

What is a qualifying life event?

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...


What is a special enrollment period?

Find out which life events qualify you for a special enrollment period, allowing you to shop for health insurance outside of the open enrollment...

Employee Benefits

Pros and cons of PPO plans

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...

Employee Benefits

What employers need to know about benefit cards

In this article, we'll cover everything employers need to know about benefit cards and alternative solutions for your benefits administration.

Small Business

High deductible health plan cost & savings

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...

Small Business

How to maintain a work-life balance

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...

Small Business

What is a qualified health plan (QHP)?

Learn the ins and outs of qualified health plans (QHPs), including how they’re categorized and how you can enroll in one.


Public vs. private health insurance exchanges

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.

Employee Retention

What is an employee onboarding program?

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...

Affordable Care Act

How brokers can prepare for open enrollment

For brokers, preparing for open enrollment starts early. Our blog will cover why early preparation is important and post-open enrollment...

State Health

How the Affordable Care Act (ACA) varies by state

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...

Health Reimbursement Arrangement

Health insurance stipends pros and cons

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.

Individual Health Insurance

Can you have two health insurance plans?

Learn the difference between primary and secondary insurance and how you can legally coordinate the two if you have two health insurance plans.

Group Health Insurance

Fully-insured vs. self-insured health plans

In this article, we’ll explore the two most common ways to structure a health insurance plan, fully-insured and self-insured.

Individual Health Insurance

How to cancel your health insurance policy

Learn how to cancel your medical insurance and get tips to help you make smart decisions when changing your healthcare coverage.

Health Savings Accounts

Why HSAs don’t work by themselves

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...


Common types of health insurance plans

Learn the pros and cons of the most common types of health insurance plans, such as PPOs, HMOs, HSA-qualified plans, indemnity plans, and alternatives

Modified Adjusted Gross Income

Adjusted gross income vs. modified AGI

Understanding AGI and MAGI will give you a better idea of how the IRS determines your eligibility for tax deductions, credits, and retirement plans.

HRA Administration

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

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...

Individual Health Insurance

How age impacts your health insurance costs

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.

Health Reimbursement Arrangement

Benefits to offer to hire & retain Generation Z

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?

Small Business

Small group health insurance for beginners

Everything small businesses need to know about small group health insurance, including qualification requirements, cost, and how to set up a plan.

Group Health Insurance

What is the Health Insurance Marketplace?

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 Business

What is Form W-3?

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...


What to ask in your employee benefits survey

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...

Flexible Spending Accounts

Understanding the codes on your medical receipts

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.

Health Exchange

Top seven health insurance terms to know

Learn the seven most common health insurance terms you need to know when choosing an individual or family health insurance plan.

Employee Retention

Signs of low morale and how you can fight it

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.

Group Health Insurance

How to prepare for open enrollment 2023

This article outlines five key strategies for preparing for open enrollment 2023 and effectively showcasing your employee benefits package.

Employee Retention

How to establish an IRA plan for your employees

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.


What is a consumer driven health plan (CDHP)?

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...


What is imputed income?

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...

Health Reimbursement Arrangement

Exempt vs. non-exempt employees

Employee misclassification can lead to financial consequences. To help you avoid these missteps, we’ll go over exempt and non-exempt classifications.


What is IRS Form 944?

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?

Health Reimbursement Arrangement

Wellness HRAs vs. wellness employee stipends

Personalized wellness benefits allow you to offer individualized programs to your employees. But what's the difference between wellness HRAs and...

Employee Retention

How to handle workplace conflict

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.

Affordable Care Act

Five-minute guide to medical loss ratios (MLRs)

Medical loss ratios (MLRs) keep insurance companies from spending your premium dollars unwisely. See how MLRs are calculated and what they mean for...

Employee Retention

How you can facilitate asynchronous work

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...

Small Business

How to conduct a great remote interview

With remote interviews becoming the norm for many organizations, how can hiring managers ensure they’re conducting them properly?

ICHRA rules you need to know

This article will explain what an individual coverage HRA (ICHRA) is and the important ICHRA rules organizations should know to administer one...

Flexible Spending Accounts

Can I have an HRA and an FSA at the same time?

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...

Employee Retention

How to calculate your employee retention rate

This blog shows you how to calculate your employee retention rate, why retention matters, and best practices to improve the retention rate at your...

Health Benefits

How nonprofits can offer health insurance

Learn why nonprofit organizations are embracing health reimbursement arrangements (HRAs) and stipends in place of traditional group health insurance...

Commuter benefits

What are commuter benefits?

If your staff must commute to work, offering a commuter benefit can be an excellent incentive for attracting and retaining your employees

Health Benefits

Eight reasons for rising healthcare costs

Explore eight reasons for the rise of healthcare costs in the United States and how you can offset your expenses with an HRA.

Health Reimbursement Arrangement

Offering fertility benefits to your employees

Learn why employers should offer fertility benefits, examples of common fertility benefits, and how to cover the cost with an integrated HRA or...

Multi-State Employers

How do taxes work for remote workers?

With so many people working from home, employers and state governments face new challenges regarding remote work taxation, nexus, and employee...

Health Reimbursement Arrangement

Form 720 and PCORI fee FAQs

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.

Flexible Spending Accounts

HRA vs. HSA vs. FSA comparison chart

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.

HRA Software

ICHRA administration for first-timers

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.

Healthcare Costs

The secret to negotiating lower medical bills

Get expert tips on how to lower your medical bills, get financial assistance, and negotiate a more affordable payment plan with your healthcare...

Section 125

What is a section 125 plan?

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.

Health Insurance For Startups

How to attract job candidates as a startup

This article will cover how to attract job candidates as a startup and which startup benefits are most effective at recruitment.

Health Benefits

What your employee benefits package is missing

While bolstering your compensation package is an excellent way to attract candidates, your benefits need to align with and support your workers’...

Health Benefits

How wellness programs lower employee stress

Workers with wellness programs have less stress than works who don't. See how you can incorporate wellness programs into your employee retention...


How Medicare premiums are calculated

Understanding how your Medicare premiums are calculated can help you plan your healthcare finances. We'll go over what Medicare is and its current...

Employee Retention

How to write a job description that stands out

This article explains how you can craft a description that will appear in top job searches while resulting in highly qualified applicants

Affordable Care Act

What is a zero cost sharing plan?

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...

Individual Health Insurance

Group coverage vs. individual health insurance cost

In this article, we’ll compare group health and individual health insurance costs, and discuss a budget-friendly option for even more affordable...

Health Benefits

Seven strategies to set a QSEHRA budget

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.

Health Insurance Stipend

Are gift cards taxable employee benefits?

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...

Health Reimbursement Arrangement

How S-corp owners can deduct health insurance

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...

Human Resources

Veterinary clinic employee benefits

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.

Health Reimbursement Arrangement

Pros and cons of the individual coverage HRA

We review the benefits and drawbacks of the ICHRA so you can have a better idea if it’s the right choice for you and your employees.

Education Benefits

Education benefits you should be offering

In recent years education benefits have become one of the most in-demand employee benefits options alongside wellness programs.

Employee Retention

What is employee retention?

Employee retention is more important than you might think. We've got four simple ways you can get started on your employee retention strategy right...

Health Savings Accounts

2022/2023 HSA contribution limits

The IRS has released 2022 and 2023 HSA guidelines, including updated contribution limits and HDHP qualifications. See how they compare to previous...

Defined Contribution Health Plans

Selling health insurance to SMBs: Tips for brokers

Small and medium-sized businesses are a big force in today's economy. Get our tips for health insurance brokers on how to successfully prospect SMBs.

Health Reimbursement Arrangement

What is healthcare reimbursement?

Learn how healthcare reimbursement plans work and which reimbursement methods are available for organizations looking to offer an employee health...

Group Health Insurance

Guide to mid-year plan changes

This blog will guide employers and employees through their options for making mid-year changes to their health insurance plans.

Health Reimbursement Arrangement

QSEHRA plan document requirements

In this post, we’ll discuss the requirements associated with QSEHRA plan documents and what information those documents should include.

Employee Retention

How to cultivate employee financial literacy

Debt and financial illiteracy can create stress and decrease an employee’s ability to focus on their work. Employers can combat this through...

Health Reimbursement Arrangement

Benefits you should offer a nanny or caregiver

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...

Health Reimbursement Arrangement

Healthcare sharing ministry pros & cons

In this article, we’ll define what a healthcare sharing ministry is, the pros and cons of this benefit, and alternative health plan options such as...


HRA compliance FAQs

In this article, we’ll cover the most frequently asked questions businesses have about HRA compliance and how you can stay in compliance with the IRS.

Health Savings Accounts

Health Savings Account (HSA) FAQs

The popularity of health savings accounts (HSAs) has surged dramatically in recent years. Here are the most frequently asked questions regarding HSAs.

HRA Software

A comparison of popular HRA administrators

In this blog, we’ll cover why employers need an HRA administrator and the popular HRA administrators available for organizations.

Health Reimbursement Arrangement

What CPAs should know about healthcare reform

The ACA requires CPAs to be experts on health reform provisions. This article will discuss the many aspects of healthcare reform and how it affects...

Health Reimbursement Arrangement

Understanding pre vs. post-tax benefits

In this article, we’ll define pre and post-tax benefits, including typical examples of each, so you can choose the best benefits for your...

Employee Retention

What is employee turnover and what causes it?

In this article, we cover some of the top reasons for employee turnover, and how you can combat these pressures to retain your top-performing...


What is the No Surprises Act?

This blog will go over everything you need to know about the No Surprises Act and why it’s important for consumers.

Health Benefits

What are ancillary benefits?

These secondary benefits, known as ancillary benefits, can be paired with group health insurance to provide your employees with additional benefits.

Employee Retention

How to become an employer of choice

Learn five ways your organization can finetune your brand, culture, and recruiting strategies to attract and retain the best staff at the lowest cost.

Health Reimbursement Arrangement

What CPAs should know about HRAs

This article will cover everything CPAs or tax professionals need to know about the individual market and HRAs to offer informed guidance to their...

Health Reimbursement Arrangement

What is an HRA?

In this article, we’ll go over HRAs, including how they work, what qualifies for reimbursement, various HRA types, and how they compare.

Health Reimbursement Arrangement

What does health insurance cover?

In this blog, we’ll go over what health insurance does and doesn’t cover, why a health plan might not pay, and how to supplement a group health plan.

Health Reimbursement Arrangement

Common HR mistakes and how to avoid them

Errors involving human resources and labor can often considerably impact your organization. Here are the most common HR mistakes and how to avoid...

Health Benefits

How to become an insurance broker

Read our blog to learn about insurance brokers, their responsibilities and qualifications, their importance, and how they differ from an insurance...

HRA Compliance

W2 reporting requirements for QSEHRA benefits

Learn the IRS reporting guidelines for the QSEHRA as well as other general taxation questions to make sure you and your organization are IRS...

Affordable Care Act

2022 federal poverty guidelines

Find out what federal poverty guidelines are, how the IRS uses them, and why the American Rescue Plan has updated these guidelines.

Health Reimbursement Arrangement

How much do employers pay for health insurance?

In this blog, we’ll break down the average cost of health insurance per employee as well as the average cost of employer-provided group health...

Health Reimbursement Arrangement

Are health insurance costs tax-deductible?

As a business owner, it's smart to evaluate all tax write-offs available. This article summarizes tax advantages for various health insurance...

Health Benefits

Guide to benefits reconciliation

In this article, we’ll guide you through the importance of benefits reconciliation, the different types of reconciliation, and how to reconcile...

State-By-State Guide

Remote employee reimbursement rules by state

Should employers cover the costs of remote work? Or does that responsibility fall to individual employees? See which states require expense...

Group Health Insurance

Pros and cons of group health insurance

In this post, we’ll discuss group health insurance, cover its pros and cons, and go over health benefit alternatives that can work for your...

Health Benefits

What does a benefits specialist do?

Everything you need to know about benefits specialist, including their job demand, responsibilities, and skills they need to have to be successful.

Health Savings Accounts

How employers can contribute to HSAs

This blog will define HSAs, discuss how employers can contribute to an HSA, and provide other health benefit options.

Group Health Insurance

What is a group in group health insurance?

In this blog, we’ll discuss the nuances of group health insurance, including common questions and participation requirements.

Health Reimbursement Arrangement

How HRAs affect premium tax credit (APTC) eligibility

Learn how to coordinate tax credits with two of the most popular HRAs: the qualified small employer HRA (QSEHRA) and the individual coverage HRA...

Health Reimbursement Arrangement

How to attract talent in the gig economy

The gig economy has shown incredible growth in the United States. However, to attract gig talent you'll need to provide personalized benefits.

Health Reimbursement Arrangement

What is a healthcare benefit allowance?

An overview of healthcare benefit allowances. HRAs, stipends, and defined contribution health benefits are types of healthcare benefit allowances.

Group Health Insurance

Is an integrated HRA right for my organization?

In this blog, we’ll define integrated HRAs and discuss four considerations to think through when determining if this HRA is right for your business.

Premium Reimbursement

Does an HRA require an HDHP?

Do you need a high deductible health plan (HDHP) in order to offer a health reimbursement arrangement (HRA)? Find out in our article.

Health Benefits

Health vs. wellness stipends

Taxable health and wellness stipends are two of the most popular benefits available. Let's explore the differences between health and wellness...

Health Insurance Options

Small business health insurance options

Find the best small business health benefit that fits your budget. Learn about the top five health options for small businesses.

Health Reimbursement Arrangement

Can I reimburse employees for health insurance?

Learn about the two most common ways to compliantly reimburse employees for their healthcare: taxable stipends and health reimbursement arrangements...

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