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Individual health insurance premium prices fall two percent in 2021

The Centers for Medicare and Medicaid Services (CMS) have released their annual report for 2021 CMS Qualified Health Plans (QHPs). These are ...

The First 9 Months of ICHRA Report

When news of the new Individual Coverage Health Reimbursement Arrangement (ICHRA) broke last year, most everyone in the healthcare industry, employee ...

Health insurance options for pastors and clergy

When it comes to offering health benefits to pastors and clergy, churches may feel out of options. They want to take care of their pastor and staff, ...

FAQ: What is an HSA High Deductible Health Plan (HDHP)?

The percentage of workers covered under HDHP plans has increased from four percent of all employer-sponsored health insurance plans in 2006 to 31 ...

QSEHRA plan documents: what are the requirements?

When Congress created the qualified small employer health reimbursement arrangement (QSEHRA) in December 2016, legislators were careful to set it up ...

IRS increases employer mandate penalties for 2021

Applicable large employers (ALEs), organizations that have 50 or more full-time employees, must meet the employer shared responsibility provisions ...

Is health insurance reimbursement taxable?

Under IRS rules, employers can reimburse employees for their health insurance in a tax-advantaged way. The most prominent vehicle for doing so is a ...

Who can administer a Health Reimbursement Arrangement (HRA)?

Who can administer an HRA, or health reimbursement arrangement? The short answer is anyone, though it’s important that the administrator understands ...

FAQ: Can I have an HRA and an HSA at the same time?

Every day, we talk to employers who ask questions about Health Savings Accounts (HSAs) and how they function with Health Reimbursement Arrangements ...

How Medicare premiums are calculated

If you’re currently on Medicare or reaching the age where you are considering Medicare, it’s important to understand the basics. Furthermore, you ...

How a GCHRA and an HSA compare

How a group coverage HRA and HSA compare The primary options for companies looking to supplement their group health insurance plan are Section 105 ...

Section 125 Premium Only Plan rules & regulations

IRS code Section 125 allows an employer to set up a Premium Only Plan (POP), where an employee's insurance premium contributions can be deducted from ...

Examples of common small business employee benefits

Employee benefits are any form of compensation paid to employees over and above regular salary or wages. Employee benefits come in many forms and are ...

Six HR rules you need to know

In addition to recruiting employees and working to create a high-performing culture, HR professionals also have to be experts in rules and ...

How Does an HRA Work?

Offering traditional group health benefits has grown increasingly difficult for small organizations. Simply put, it's too expensive, too complex, and ...

FAQ - ALEs and Employer Mandate

This FAQ compiles key information about how the Affordable Care Act’s employer mandate affects Applicable Large Employers (ALEs).

FAQ - How much does it cost to provide health insurance to employees?

Health insurance renewal time is upon us, and whether you’re researching more cost-effective health plans or researching health benefits for small ...

2020 Federal Poverty Guidelines

Also known as “federal poverty guidelines,” the FPL is used to measure a household’s poverty status. It is adjusted each year for inflation. The U.S. ...

Take control of group health insurance costs and quality with a GCHRA

Organizations that offer traditional group health insurance often feel they’re at the mercy of their insurance providers, spending more and more each ...

5 Steps to a Successful QSEHRA Launch

Your work isn’t done once you’ve decided to offer a QSEHRA as your new health benefit. As with any health benefit, launching a QSEHRA requires some ...

FAQ - Can we give employees money for health insurance?

Many small employers really want to help employees with healthcare, but traditional job-based group health insurance is often not in the cards. Even ...

Determining ICHRA Affordability in 2021

In June of 2019, the federal government released a final ruling regarding the offering of HRAs in 2020. This rule created a new HRA called the ...

Four Ways to Save Significantly on Your Prescription Medications

COVID-19 continues to have a significant impact on the financial stability of individuals and families across the United States. Millions of ...

Can domestic partners participate in an ICHRA?

According to the FindLaw legal dictionary, a domestic partnership is: “Legal recognition of unmarried homosexual couples and heterosexual couples, ...

Can you offer health insurance to certain employees only?

One way small employers rein in health insurance costs is to only offer the benefit to full-time employees. Many employers have asked us whether they ...

How to calculate modified adjusted gross income (MAGI)

The Affordable Care Act (ACA) offers premium tax credits to help eligible individuals and families purchase individual health insurance coverage ...

5 steps to a successful ICHRA launch

There's been a lot of hype around the ICHRA since it was announced in 2019 to be made available at the start of 2020. Since you're here, you're ...

Online advances increase healthcare access and reduce costs

Even as healthcare costs continue to surge, online businesses have led a wave of innovation that has made many aspects of healthcare more accessible ...

ICHRA reporting requirements: what you need to know

A key feature of individual coverage HRAs is that all reimbursements are free of payroll taxes (for employers and employees) and income tax (for ...

Can I Offer a Health Insurance Stipend to Employees?

A common question among small business owners is whether they can offer employees a stipend to help pay for the cost of individual health insurance. ...

How to Get Out of Your Employer's Group Health Plan Mid-Year

Employees have two options for getting out of their employer’s group health plan mid-year. IRS Notice 2014-55 outlines two ways employees covered by ...

Easily compare group and individual insurance plans with our new tool

Just in time for 2021 Open Enrollment, PeopleKeep yesterday launched a new online tool, the ICHRA decision tool. With this tool, organizations ...

Comparison of Individual Health Insurance vs. Group Health Insurance

When small businesses consider health insurance options, it's common to compare a traditional group health insurance plan with individual health ...

How a group coverage HRA can help nonprofits

According to a recent employee benefits survey, when choosing between a high-paying job and a lower-paying job with quality health benefits, 88% of ...

9 Individual Health Insurance Terms You Should Know

When shopping for a new individual health insurance plan, one of the main challenges people face is understanding the sea of acronyms and ...

How HSA Contribution Limits Work for Spouses

As employers move away from group health insurance plans, more and more married couples have started to maintain separate individual health insurance ...

The Benefits and Perks Your Company Should Be Offering

Employee experience matters. We focus so much of our attention on business outcomes and customers that often our employee experience is lacking ...

How to make a high deductible health plan work for you

It’s no secret that the use of high deductible health plans (HDHPs) continues to skyrocket. The number of covered workers on HDHPs has increased from ...

The Right Way to Cancel Your Individual Health Insurance Policy

As new insurance options become available through the state health insurance marketplaces, you may need or want to cancel or change your current ...

What are the Pros and Cons of Health Insurance Stipends?

Many small employers who don’t offer formal health benefits give employees a taxable raise or bonus to use toward health care. While giving employees ...

Can I offer QSEHRA to employees in different states

It’s easy for employers to offer an individual coverage HRA (ICHRAs) to employees located in other states, but is the same true for qualified small ...

Why Individual Health Insurance is More Affordable Than Group Health Insurance

Individual health insurance is more affordable than group health insurance. Also, under the Affordable Care Act, individual health plans must cover ...

The Pros and Cons of Healthcare Sharing Ministries

If you’re experiencing some sticker shock with your 2021 health insurance increases, you’re not alone. Many people are searching for alternative ...

Can I offer an ICHRA only to out-of-state employees?

The flexibility of individual coverage HRAs (ICHRAs) make them an ideal benefit for employers interested in providing a health benefit to a ...

What Percent of Health Insurance is Paid by Employers?

When evaluating a new or existing health insurance program, your organization's contribution strategy is an important consideration. In simple terms, ...

Can section 125 plans be used with an ICHRA?

Both individual coverage HRAs (ICHRAs) and cafeteria plans (section 125 plans) help employees save on medical costs, but can they be combined? Read ...

Lost your group insurance to COVID-19? Check out the individual market trends in your state

The impact of COVID-19 on our lives is undeniable. For those who have lost their health insurance, it hits even closer to home. Especially now when ...

Q&As on Form 720 and PCORI Fees

The Affordable Care Act includes a fee to be paid by sponsors of self-insured health plans to fund the Patient-Centered Outcomes Research Institute ...

ICHRA Affordability and Premium Tax Credits

On June 13, 2019, the federal government released a final ruling that created a new HRA called the individual coverage HRA (ICHRA) and included ...

How Much Does Individual Health Insurance Cost?

Many people assume that individual health insurance is more expensive than group health insurance. (For quick reference: Individual insurance is ...

Why you need to calculate employee retention rates

When it comes to employee retention strategies, HR departments need to track specific measurables. By tracking statistics such as employee retention ...

2021 HSA contribution limits

The IRS announced the 2021 health savings account (HSA) contribution limits in May in Revenue Procedure 2020-32, as well as minimum deductible and ...

IRS adds ICHRA affordability codes to Form 1095-C

The employer mandate of the Affordable Care Act requires employers with 50 or more full-time equivalent employees (Applicable Large Employers, aka ...

Individual coverage HRA (ICHRA) vs. QSEHRA: How do they compare?

The qualified small employer health reimbursement arrangement (QSEHRA) and the individual coverage health reimbursement arrangement (ICHRA) are two ...

Individual coverage HRAs (ICHRA) and Medicare

It’s common for employees of small businesses to opt for Medicare over their employer’s group health insurance plan because the benefits are often ...

eBook Helps Small Businesses Hire and Retain Top Talent

For small- to medium-sized employers, the loss of a single key employee can be devastating; it can mean the difference between accomplishing a key ...

HRA Eligibility By Type of Small Business Owner

A Health Reimbursement Arrangement (HRA) is a flexible tool for small business owners to increase their tax savings and to offer tax-free health ...

An Introduction to the Qualified Small Employer HRA (QSEHRA)

In 2013, IRS Notice 2013-54 issued guidance on the Affordable Care Act that prohibited businesses from using HRAs to reimburse insurance premiums.

Is a Group Coverage HRA Right For My Organization?

As with any employee benefit, it’s important that you choose an HRA that meets your employees’ needs and your organization’s goals. Following are ...

How Nonprofits Can Offer Affordable Health Insurance

According to Statista, staff transition (turnover) was the single biggest challenge faced by nonprofits in 2019. When resources are tight, nonprofits ...

The 2-minute ICHRA guide

PSA: This is not an in-depth overview of the ICHRA. If that’s what you’re after, our comprehensive ICHRA guide is your best friend. Consider this the ...

Health Savings Accounts (HSAs) - 10 FAQs

The popularity of Health Savings Accounts has surged dramatically in recent years. According to a report by Devenir Research, there are now over 26 ...

The 2-minute QSEHRA guide

PSA: This is not an in-depth overview of the QSEHRA. If that’s what you’re after, our comprehensive QSEHRA guide is your best friend. Consider this ...

Proposed rules could deliver HRA tax savings to millions

A newly proposed regulation, Certain Medical Care Arrangements, could greatly expand the value and reach of Health Reimbursement Arrangements (HRAs) ...

High-Deductible HRAs - A Way to Meet the Needs of Employees

A health reimbursement arrangement (HRA) is an IRS-approved, employer-funded, health benefit used to reimburse employees for out-of-pocket medical ...

7 Group Coverage HRA rules to know

A lot of employers who offer group health insurance have an itch. They know it’s not perfect, and the ways they’ve tried to scratch it in the past ...

Choosing between high vs low deductible health plans

Insurance is often confusing Here’s a scenario for you: It’s mid-November. Open enrollment is here and you’re trying to figure out which insurance ...

Employee Retention - The Real Cost of Losing an Employee

For organizations to thrive in today’s economy, finding and retaining the best employees is vital. This is especially challenging for small ...

How Much Can You Save with a Higher Deductible Health Insurance Plan?

We spend a lot of time talking about how you can save money by raising the deductible on your health insurance plan. In case you're still skeptical, ...

How to Tell If Your High-Deductible Health Plan Is HSA Qualified

Employers offering a high deductible health plan (HDHP) have several ways to supplement the low-coverage and make the benefit more meaningful. One ...

High deductible health plan: is it right for my organization?

Employers have a number of health plan options to choose from when it comes to offering a health benefit to employees. One option is a high ...

Business owner eligibility under a group coverage HRA [infographic]

A group coverage health reimbursement arrangement (GCHRA) is a health benefit for companies of all sizes looking to supplement their group health ...

What to know about medical reimbursement plans

What are Medical Reimbursement Plans? Medical reimbursement plans are IRS-approved health plans that allow for tax-free reimbursement for medical ...

What you should know about Hawaii’s Prepaid Health Care Act

Originally passed in 1974 and reenacted in 1981, Hawaii’s Prepaid Health Care Act (PHCA), or employer mandate, contains important requirements ...

How to Cancel Group Health Coverage

Today, many small employers are canceling group health insurance coverage. And it's not because they don't want to offer employee health benefits. ...

Business owner eligibility under an ICHRA [infographic]

Individual coverage health reimbursement arrangements (ICHRAs) are a popular benefit for companies of all sizes looking to reimburse their employees ...

What we learned in the first 90 days of the individual coverage HRA

The long-anticipated individual coverage HRA (ICHRA) finally went into effect on January 1, 2020. Since then, PeopleKeep has worked with hundreds of ...

Pros and cons of stand-alone HRAs

As small employers evaluate how to offer employees a valuable health benefit, they will likely consider a stand-alone Health Reimbursement ...

A health insurance solution for employees in multiple states

Many small and medium sized organizations have employees located across multiple state lines. This will become even more true if the trend to support ...

How California's individual mandate affects you

Various state-wide individual mandates have gone into effect in 2020, including California’s, that will ultimately impact residents whether they are ...

The CARES Act effect on HRAs, HSAs, and FSAs

What is the CARES Act? The Coronavirus Aid, Relief, and Economic Security Act (CARES Act), is a bill passed by the U.S. federal government on March ...

How the QSEHRA works for spouses

One advantage of the qualified small employer health reimbursement arrangement (QSEHRA) is that employee spouses can receive value from the benefit, ...

6 Answers to Common HSA Questions

If you have questions about the regulations behind your health savings account (HSA), you are not alone. There is quite a bit of confusion regarding ...

Is an HRA a good fit for my organization?

Are you looking into offering health benefits and want to figure out an affordable solution? Or do you already offer benefits, and you’re looking ...

Group Health Plan vs. Group Health Insurance Plan

The terms 'group health plan' and 'group health insurance plan' are often used interchangeably, but in fact, they mean different things. This article ...

2020 QSEHRA Annual Report on Nonprofit Organizations

The QSEHRA has been a demonstrably effective health benefits tool for businesses throughout the United States for several years now. However, ...

The Difference Between HRAs and HSAs

In the health benefits industry, certain benefit options are often confused with one another. Two of the options most commonly mixed-up are HSAs ...

Employee Retention - The Top 10 Workplace Perks Employees Want

What do employees value with workplace perks? And do the perks motivate them to stay with the company? In a recent study, twenty-six percent (26%) of ...

Health Insurance Reimbursements: What Are the Options?

Prefer to listen? Play the audio version of this article and follow along! Small business health insurance is getting more expensive every year. A ...

The Top 5 Types of Employee Benefits

Many employers want to offer great benefits to employees, but which ones do employees love most? Here is a list of the top five types of benefits ...

Does My Employer Have to Provide Health Insurance?

Prefer to listen? Play the audio version of this article and follow along! A common question among employees is does my employer have to provide ...

2020 QSEHRA Annual Report

Prefer to listen? Play the audio version of this article and follow along! (00:15) The new year has come and passed, and that signals the return of ...

What Health Insurance Premiums Can an HRA Reimburse?

Health Reimbursement Arrangements (HRAs) are federally regulated, employer-sponsored health benefit plans that allow participants to receive ...

2020 FSA Limits

For 2020, employees can contribute $2,750 to health FSAs, up from the 2019 limit of $2,700, the IRS said in Revenue Procedure 2019-44. The increase ...

Group Coverage HRA vs Excepted Benefit HRA

On June 13, 2019, the final rule from the federal government regarding health reimbursement arrangements (HRAs) was released. The ruling helped to ...

Special Enrollment Periods for Health Reimbursement Arrangements (HRAs)

Previously, offering a health reimbursement arrangement (HRA) came with difficulty for businesses whose employees didn’t already have health coverage.

Best Practices for Employee Retention and Recruitment

It seems like every week, a new article is published telling you why you should care about employee retention. It's an important topic, and the ...

Pros and cons of group health insurance

Group health insurance is a well-known, popular health benefit option. Most full-time workers have heard of group health insurance if not having been ...

HSA vs. FSA - What's the Difference?

The difference between an HSA and an FSA the most important differences between an HSA and an FSA are as follows. An HSA is owned and controlled by ...

Causes of Employee Turnover

Turnover is influenced by many factors that generally come from two directions: external forces and internal forces. We have a bigger impact focusing ...

Health insurance for companies with employees in multiple states

If you have workers spread across multiple states, you likely face unique challenges when it comes to providing health insurance to your employees. ...

HRAs and S corporation owners

As pass-through entities, S corporations (S corps) enjoy many tax benefits. The business pays less for Social Security and Medicare tax and doesn’t ...

How small businesses are thinking about benefits in 2020

(Don't miss our infographic at the end!) About the survey More than 60 percent of small businesses offering a health reimbursement arrangement (HRA) ...

Top 25 Health Insurance Companies in the U.S.

Below are the top 25 health insurance companies in the United States. They are listed by size of market share, in descending order. As an added level ...

FAQs employers have about HRA compliance

A health reimbursement arrangement (HRA) is a great way for a business to offer a health benefit to their employees without being constrained by the ...

The Top 5 Small Business Health Insurance Options in 2020

The rising costs of health care aren’t just a problem for individuals—they’ve also impacted businesses that make health benefits a priority for their ...

Leveraging HRAs as a health insurance broker

A good health insurance broker wears many hats. Beyond simply selling health insurance, they’re viewed by their customers as a trusted advisor and an ...

7 types of health insurance plans

What is a health reimbursement arrangement (HRA)?

The information on this page has been updated on our new web page on HRAs. click the button to visit our comprehensive guide Learn about HRAs ...

5 ICHRA rules that are important to know

If your business is planning to offer an individual coverage health reimbursement arrangement (ICHRA), there are some important items to consider. ...

5 Ways Small Business Owners Can Source High-Quality Candidates

Attracting the interest of top talent can often feel daunting for a small business. Without the allure of working for an established brand and the ...

Does QSEHRA Disqualify Employees from Individual Premium Tax Credits?

A common question we receive is "will offering a QSEHRA prevent employees from obtaining individual premium tax credits?" In short the answer is no, ...

Health Benefits - The gift that keeps on giving

In the modern workforce, employees look for value from their employers that goes beyond wages, job location, and their daily tasks. The job market ...

6 Tips for Effective Employee Communication

Having a strong internal communication strategy is key in nearly every aspect of small business, and this includes Human Resources. Sometimes, HR’s ...

Group coverage HRAs: an overview

This article provides an overview of group coverage health reimbursement arrangements (HRA)s, also called integrated HRAs, and how employers use them ...

7 FAQs employees have about HRAs

Health reimbursement arrangements (HRAs) are becoming increasingly common as more employers are seeking an alternative to traditional health ...

5 Tips for HRA Administrators

Administering your company’s health reimbursement arrangement (HRA) comes with its own set of challenges and questions. In this article, we cover 5 ...

2020 HSA contribution limits

A health savings account (HSA) is a tax-advantaged savings account a family or individual can use to pay for qualified medical expenses. HSAs are ...

What Is a Qualifying Life Event?

When the Affordable Care Act went into effect, it guaranteed that everyone who applied for individual health insurance would be approved for and ...

2020 QSEHRA Contribution Limits

The qualified small employer health reimbursement arrangement (QSEHRA), also called a small business HRA, comes with annual contribution limits. In ...

20 Surprising Employee Retention Statistics You Need to Know

Employee retention is top-of-mind for nearly every organization, and it’s easy to see why—losing employees can mean losing valuable institutional ...

Which HRA is right for my organization?

The number of health reimbursement arrangements (HRAs) currently available to employers will grow in January 2020. With all the options on the ...

The Top 5 Small Business Health Benefit Options in 2020

The cost of health care isn’t just something impacting individuals and their families—it also affects businesses that want to prioritize employee ...

What dates to know - open enrollment 2020

It’s that time of year again. Open enrollment for most states is starting soon and in some states it’s already begun. You may be wondering why open ...

ICHRA and the employer mandate. What are the penalties?

The Affordable Care Act’s (ACA’s) employer shared responsibility provision defines employers with an average of 50 or more full-time employees during ...

ALE safe harbors and the ICHRA

The Affordable Care Act’s employer shared responsibility provision designates employers with an average of 50 or more full-time equivalent employees ...

How to offer the ICHRA in 2020

Are you a business owner or manager considering offering the individual coverage HRA (ICHRA) to your employees? With the regulations and compliance ...

Is the QSEHRA or the ICHRA better for my business?

As a business owner looking into health reimbursement arrangement (HRA) options, you may have been wondering whether the qualified small employer HRA ...

The ICHRA notice: what are the requirements?

The Departments of the Treasury, Labor, and Health and Human Services (the Departments) released information regarding the individual coverage HRA ...

How does the ICHRA special enrollment period (SEP) work?: 6 FAQs

The final ruling made this year regarding health reimbursement arrangements (HRAs) in 2020 has made a special enrollment period (SEP) available to ...

How does COBRA interact with ICHRA?

As more businesses consider offering an individual coverage HRA (ICHRA) in 2020, new questions are being asked about the benefit’s compliance ...

How to recruit and retain a diverse staff

This article was originally published on Small Biz Daily. Diversity in hiring is a huge competitive advantage today. Research has consistently shown ...

The QSEHRA vs. the HRA: What's the difference?

For those unfamiliar with health reimbursement arrangements (HRAs), the endless acronyms can be confusing. This is especially true when considering ...

FAQ: What is a Special Enrollment Period?

A special enrollment period is a time when you’re allowed to make changes to your health insurance plan even though it’s not an open enrollment ...

6 tips for putting company policy info in the hands of your employees

You did it: You’ve created company policies that provide structure without stifling your team. This is no small feat, and you should take a beat to ...

The ICHRA and premium tax credits: what are the rules?

Employees participating in an individual coverage HRA (ICHRA) cannot collect premium tax credits. However, the federal government added some ...

Special enrollment periods (SEPs) and the QSEHRA

The 21st Century Cures Act reintroduced the health reimbursement arrangement (HRA) for small businesses, making it possible for them to offer health ...

How does the new HRA rule affect the QSEHRA?

The new federal regulations released last month created quite a splash, with most industry commentators—including PeopleKeep—concentrating on the ...

15 FAQs on the individual coverage HRA (ICHRA)

As more businesses become aware of the individual coverage health reimbursement arrangement (ICHRA), we at PeopleKeep have been flooded with ...

How businesses can contribute to employees' HSAs

Health savings accounts (HSAs) were introduced in 2003 as a tax-advantaged way to save money toward future health expenses. Although they’re opened, ...

Federal government releases final rule on new HRAs for 2020

We’ve got great news here at PeopleKeep—last week brought a major win for small business health benefits. After several months of work, the federal ...

Does the ICHRA satisfy the employer mandate?

With the new individual coverage health reimbursement arrangement (ICHRA) scheduled to become available in early 2020, you might be wondering if the ...

HRAs in 2020: What can we expect?

The health reimbursement arrangement (HRA) is having quite a moment. After being seriously reduced by IRS guidance following the Affordable Care Act, ...

ICHRA eligible expenses: What are they?

Beginning in 2020, small businesses are expected to have a new health benefits option: the individual coverage health reimbursement arrangement ...

HRA for Dummies

In the modern workforce, providing competitive benefit options is essential in retaining and recruiting quality employees. For small business owners ...

How S-corporation owners can deduct health insurance expenses

Prefer to listen? Play the audio version of this article and follow along! Choosing an S-corporation to form your business comes with a number of ...

Individual coverage HRA (ICHRA) plan documents: what are the requirements?

The individual coverage health reimbursement arrangement (ICHRA) is inching closer to implementation: in January 2020, businesses of all sizes will ...

What a court ruling against association health plans means for small business health benefits in 2019

In late March, a federal judge struck down the Labor Department’s 2018 rule expanding access to association health plans. While in place, the rule ...

Top 5 takeaways from QSEHRA use in 2018: Report

Last year, 2018, marked the second full year small businesses had access to the qualified small employer health reimbursement arrangement (QSEHRA). ...

How employees used the QSEHRA in 2018: Report

Employees with access to a qualified small employer health reimbursement arrangement (QSEHRA) continued to take full advantage of the benefit in ...

10 HRA FAQs - Health Reimbursement Account Rules

Here are 10 HRA FAQs outlining common health reimbursement account rules. A health reimbursement account (HRA), also known as a health ...

Average QSEHRA allowance amounts in 2018: Report

It’s been two years since small businesses first had access to the qualified small employer health reimbursement arrangement (QSEHRA). In that time, ...

How to set up an individual coverage HRA (ICHRA)

The creation of the individual coverage health reimbursement arrangement (ICHRA) has many organizations excited. The new benefit, available beginning ...

How does the individual coverage HRA (ICHRA) work?

The individual coverage health reimbursement arrangement (ICHRA) is a new way for businesses and other organizations to offer employees health ...

What to expect from the individual coverage HRA (ICHRA) in 2020

Beginning January 1, 2020, U.S. businesses will have a new health benefits option: the individual coverage health reimbursement arrangement (ICHRA). ...

Individual coverage HRA (ICHRA) employee classes

One of the most exciting things about the prospect of the individual coverage health reimbursement arrangement (ICHRA) is its employee classes ...

What are my 2019 small business employer health insurance requirements?

As the Trump administration continues to scale back the Affordable Care Act (ACA), many small businesses have raised questions about which portions ...

Who is eligible for the individual coverage HRA (ICHRA)?

In January 2020, businesses will have a new health benefits option: the individual-coverage health reimbursement arrangement (ICHRA). Created through ...

HRA and premium tax credits: how does it work?

One of the most valuable features of a health reimbursement arrangement (HRA) is its ability to reimburse employees for individual health insurance ...

The top 3 health insurance options for small businesses with one employee

There are many advantages to running your own business: being your own boss, setting and achieving lifelong goals, doing what you love. That's ...

The individual coverage HRA (ICHRA): pros and cons

When it becomes available in January 2020, the individual coverage health reimbursement arrangement (ICHRA) will be one of the most valuable ...

Which QSEHRA deadlines do you need to know?

The qualified small employer health reimbursement arrangement (QSEHRA) is a strong choice for many small businesses looking to offer health benefits. ...

What is the individual coverage HRA (ICHRA)?

An individual coverage health reimbursement arrangement (ICHRA), sometimes called an individual integrated HRA, is a company-funded, tax-advantaged ...

PeopleKeep delivers feedback on new HRA rules

PeopleKeep has exciting news for the beginning of the new year. Late last month, we responded to the October 23 request from the Departments of the ...

3 Reasons Employers Should Use HRA Software

Many employers that self-administer an HRA often overlook important compliance obligations that put them at financial risk. Failure to comply with ...

What is a Health Reimbursement Account?

5 questions you need to ask when choosing your small business health benefit

Choosing between health benefits options can be difficult—especially for small businesses. As a small business, you must balance the company budget, ...

HRA plan documents: what are the requirements?

A health reimbursement arrangement, or HRA, is an IRS-approved health benefit that allows for tax-free reimbursement of medical and insurance ...

The QSEHRA: Pros and Cons

The qualified small employer health reimbursement arrangement (QSEHRA) is among the best options for small businesses that want to offer a formal ...

HRA vs. HSA (Reimbursement Arrangements vs. Savings Accounts)

Which is better: A health reimbursement arrangement (HRA) or a health savings account (HSA)? HRA vs. HSA? The biggest difference between HRAs and ...

5 reasons your small business definitely needs to offer health benefits in 2019

Fewer and fewer small businesses are offering health insurance to their employees. Uncontrollable costs have ravaged small business coffers, and ...

Small Business 101 - Reimburse Employees for Medical Expenses

As leadership teams evaluate small business health insurance options, many want to know how they can reimburse employees tax-free for medical ...

Section 105 Plans "for Dummies"

Section 105 plans are a type of reimbursement health plan that allows small businesses to reimburse their employees for medical costs tax-free. ...

What is a QSEHRA? | Benefits

The qualified small employer health reimbursement arrangement (QSEHRA), also known as a small business HRA, is a company-funded, tax-free health ...

Employee Benefit Ideas for Multinational Companies

With an increasingly global economy and workforce, it is increasingly common to have employees working from multiple countries. Working for an ...

How Much Does Group Health Insurance Cost?

Editor’s Note: This article has been updated with the most recent group health insurance cost information. The article was originally published in ...

New federal regulations expand HRA options

The Departments of the Treasury, Labor, and Health and Human Services proposed regulations this week that would significantly expand personalized ...

2019 HSA contribution limits

We have updated this report in our latest article: 2020 HSA Contribution Limits. To read it now, lick the button below. Read Our 2020 Report A health ...

The 4 best health insurance options for solo pastors

Having a solo pastor means a lot of responsibilities that are usually shared among multiple pastors fall to just one person. With the amount of ...

How does the QSEHRA work with Medicare?

The qualified small employer health reimbursement arrangement (QSEHRA) is a popular health benefits solution for small businesses. Not only does the ...

House passes two bills expanding personalized health benefits

The personalized health benefits category is poised for even greater growth as Congress considers two bills aimed at expanding certain benefits. The ...

What are the W-2 requirements for a QSEHRA?

When the 21st Century Cures Act introduced the qualified small employer health reimbursement arrangement (QSEHRA) in 2017, many small businesses ...

Wall Street Journal editorial advocates personalized health benefits

Two prominent health care policy leaders wrote in a Wall Street Journal editorial this month that personalized health benefits, including health ...

Is the QSEHRA a good fit for nonprofits?

Securing quality health benefits for nonprofits has grown more and more difficult. Between rising premiums in the group health insurance market and ...

Are there deadlines for health insurance reimbursement?

When companies first set up a health reimbursement arrangement (HRA), they often wonder if there is a specific (or required) time frame for ...

HRA claim rules: What you need to know

A health reimbursement arrangement (HRA) is a type of tax-free personalized health benefit. HRAs are particularly popular among small businesses, as ...

Small business health insurance: The state of the market and what small businesses are doing about it

Whether a business is large or small, business owners know that the best way to hire and keep top talent is by offering the benefits employees want ...

Is group health insurance the best choice for small business?

For decades, traditional group health insurance was the standard health care coverage option for businesses of all sizes. In recent years, however, a ...

How the QSEHRA compared to group health insurance in 2017

When Congress created the qualified small employer health reimbursement arrangement (QSEHRA), or small business HRA, many envisioned it as a vehicle ...

How QSEHRA use varied by state in 2017

After the 21st Century Cures Act passed in 2016, small businesses nationwide adopted the qualified small employer health reimbursement arrangement ...

5 key takeaways from the first year of the QSEHRA

Small businesses have now had one year to explore, offer, and experiment with the qualified small employer health reimbursement arrangement (QSEHRA), ...

What Constitutes a Group for Health Insurance?

When the Affordable Care Act passed in 2010, U.S. businesses received a new federal requirement: provide health insurance to all full-time employees ...

Small Business Health Insurance Costs: What Can You Expect?

Offering group health insurance is expensive—especially for small businesses. Businesses with fewer than 50 employees typically have smaller budgets, ...

The Average Cost of Health Insurance for Small Business in 2019: Study

Small businesses continued to face cost increases for group health insurance in 2017, a report from the Kaiser Family Foundation reveals. Kaiser's ...

Are QSEHRA Reimbursements Taxable?

One of the primary benefits of offering a qualified small employer health reimbursement arrangement (QSEHRA) is the tax advantage available to both ...

The QSEHRA and HIPAA Privacy Requirements: What Are the Rules?

The qualified small employer health reimbursement arrangement (QSEHRA), or small business HRA, was designed specifically for small businesses with ...

Will the QSEHRA Work for My Church?

When Congress created the qualified small employer health reimbursement arrangement (QSEHRA) in 2016, much of the focus centered on its value to ...

Why Your Company Should Offer Both an HSA and a QSEHRA

The opportunity to offer personalized health benefits is growing. Over the years, new tax-free vehicles have emerged, and small businesses now have ...

2018 Open Enrollment Dates

November 1 marked the start of the 2018 open enrollment season—the period in which anyone can sign up for individual health insurance. Open ...

Zane Benefits is now part of PeopleKeep

Today, we are officially launching our new company, PeopleKeep. Read on for more information about PeopleKeep and what this means for you. Our story ...

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Cost of health insurance by state | Chart

In this chart, we take a look at how individual health insurance rates have changed in the last few years. How is your state doing?

GCHRA at a glance

PeopleKeep's Group Coverage HRA allows employers with a group health insurance plan to reimburse their employees' out-of-pocket costs with tax-free money.

11 Strategies for employee retention on a small business budget

How can you keep your most valued employees without breaking your budget? We've teamed up with our friends from Bonusly to create the ultimate guide to find and keep the most valuable employees.

How to cancel group health insurance

In this toolkit, we've included four separate assets you can use as you cancel group health insurance and implement an HRA.

Owner eligibility under a Group Coverage HRA

Learn about which types of business owners can participate in the Group Coverage HRA in this infographic.

The complete guide to the Group Coverage HRA (GCHRA)

Use our guide to the group coverage HRA (GCHRA) to learn what it is and how it helps employers supplement out-of-pocket costs from their existing group health insurance plan.

QSEHRA vs. ICHRA comparison chart

This quick comparison chart will help you understand the difference between the two HRAs, and know which one fits your organization best.

How to self-administer an ICHRA

This is the perfect e-book for employers who are interested in offering an HRA without the help of a third-party administrator, or a software provider.

2020 QSEHRA Annual Report on Nonprofit Organizations

In our 2020 QSEHRA Annual Report on Nonprofit Organizations, we illustrate how nonprofit organizations around the United States are using the benefit, how much they are spending, and the level of employee engagement they generate.

Group health insurance vs. HRAs comparison chart

In this chart, we compare group health insurance with a health reimbursement arrangement. Which one is right for your business?

The nonprofit's guide to health benefits

In this quick guide, we cover the different health benefits options nonprofit organizations can use without breaking the bank.

2020 QSEHRA Annual Report and Infographic

In our 2020 annual report, we include an infographic and article that shows how businesses in the United States have used the benefit in the last year.

HRA vs HSA vs FSA comparison chart

HRA vs. HSA vs. FSA - What is the difference? Download this free overview chart of common Account Based Health Plans.

HRA Compliance 101

Join us for the final installation of our three-part webinar series on HRAs. In this webinar, we cover the basics of HRA compliance.

HRA Compliance Tool Kit

Our HRA compliance tool kit serves as a go-to reference point for business owners who want to set up an HRA, and who want to remain compliant after setting it up.

How the HRA works for employers

Join us for an inside look at the health reimbursement arrangement (HRA) and how it works for businesses. Veteran PeopleKeep Customer Success Manager Julia Corwin walks us through every step a company needs to take to evaluate, purchase, set up, and administer an HRA. After the 30-minute presentation, we end with a Q&A.

Find the right resources.