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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

Having the right health insurance benefit for your small business is extremely important. In order to help you find the benefit that fits your needs, ...

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 What is ...

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 ...

Determining ICHRA Affordability in 2020

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 ...

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 new 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

Choosing an S-corporation to form your business comes with a number of impressive tax advantages. You don’t pay corporate income tax, and your Social ...

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 ...

How Nonprofits Can Offer Affordable Health Insurance in 2019

All businesses face challenges, but nonprofits often struggle with different obstacles compared to their for-profit counterparts. Among the most ...

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 ...

IRS Publication 502 and HRA Eligible Medical Expenses | 2019

IRS Publication 502, Medical and Dental Expenses, defines medical care for the purpose of deducting medical expenses and reimbursing medical expenses ...

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 ...

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

When it becomes available in 2020, the individual coverage health reimbursement arrangement (ICHRA) will be the latest in IRS-approved health ...

Health Insurance Reimbursement in 2019: What Are the Options?

Small business health insurance is getting more expensive every year. A popular and effective way to avoid these costs is to cancel group coverage ...

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 ...

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 ...

Is health insurance reimbursement taxable?

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

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. ...

Comparison of Individual Health Insurance vs. Group Health Insurance

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

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 ...

What Percent of Health Insurance is Paid by Employers?

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

Why Individual Health Insurance is More Affordable Than Group Health Insurance

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

Examples of Common Small Business Employee Benefits

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

Health Insurance Options for Pastors and Clergy

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

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 ...

FAQ - How Much Does Individual Health Insurance Cost?

Many people assume that individual health insurance, which is insurance you purchase on your own, is more expensive than group health insurance, ...

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 ...

Who Can Administer a Health Reimbursement Account (HRA)?

Who can administer an HRA, or health reimbursement arrangement? As long as a business has the proper forms in place, HRA administrators can be ...

2019 Open Enrollment Dates

With this year’s open enrollment just around the corner, you might be wondering which deadlines apply to you. Open enrollment is a vital time for ...

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), ...

5 Employee Alternatives to Health Insurance and How Your Business Can Support Them

For small business employees, group health insurance is no longer the attractive benefit it once was. Today, employees are paying a record-high ...

Can You Offer Health Insurance to Certain Employees Only?

Offering group health insurance is prohibitively expensive for most small businesses. To cut costs, many purchase high-deductible health policies, ...

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 ...

How Does an HRA Work?

Offering traditional group health benefits has grown increasingly difficult for small businesses. It's too expensive, too complex, and too ...

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 ...

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 ...

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 ...

2018 HSA Contribution Limits

A health savings account (HSA) is a tax-advantaged savings account paired with a qualified high-deductible health plan (HDHP). HSAs have an annual ...

New Executive Order Directs Federal Departments to Expand Personalized Health Benefits

A new executive order from President Donald Trump seeks to expand personalized health benefits for U.S. businesses. The order, issued Thursday, ...

Health care reimbursement plan - What is it?

What is health care reimbursement? A health care reimbursement plan, sometimes called a health reimbursement arrangement, is a health benefit where ...

FAQ: What’s Causing the Shift to Personalized Benefits?

There’s a shift occurring in the small business benefits market—one that takes companies away from traditional group benefits and toward a new model. ...

Which Benefits Have the Best Effect on Employee Retention and Recruiting?

Small business benefit options have never been more varied. Get the most mileage from your offerings with the benefits employees love best. The U.S. ...

Businesses Boost Benefits as Hiring Grows More Difficult: SHRM Study

Thanks to the country’s ongoing economic recovery, the job market now firmly favors job seekers. Perhaps it’s no surprise, then, that two-thirds of ...

Taking Advantage of a Qualifying Life Event Under a QSEHRA

One of the biggest advantages of working for a company that offers a qualified small employer health reimbursement arrangement (QSEHRA) is the ...

FAQ: Do some states ban the QSEHRA?

Note: For the latest information on QSEHRA conditions in each state, including average allowance amounts and utilization rates, check out our QSEHRA ...

How Medicare and Social Security Impact HSAs

Medicare and Social Security are two subjects complicated enough to give anyone a mental workout. However, it’s important for employers and employees ...

Business owner eligibility under a QSEHRA [infographic]

Qualified small employer health reimbursement arrangements (QSEHRAs), sometimes called Small Business HRAs, are a popular benefit for companies ...

The Better Care Reconciliation Act of 2017—what’s in the Senate’s new bill to repeal and replace Obamacare?

After a month of closed-door meetings, Senate Republicans emerged last week with a bill to repeal and replace the Affordable Care Act. The ...

How the AHCA Affects Small Business and Individual Taxation

Much has been said about the passage of the American Health Care Act (AHCA) by the House of Representatives in May. The Republican-sponsored ...

Should I still offer the QSEHRA when group insurance is cheaper than individual?

One of the chief benefits of offering a personalized benefits solution like the qualified small employer health reimbursement arrangement (QSEHRA), ...

How the QSEHRA Works for Me

I love working for a small business. In a smaller office, my day-to-day impact is much bigger, and when I wake up in the mornings, I know I’m going ...

How much does not offering health benefits cost my business?

One of the central questions in reforming U.S. health care asks whether businesses should be required to provide health insurance to their employees. ...

The American Health Care Act, as Compared to the Affordable Care Act [Infographic]

As the Senate gets ready to consider the American Health Care Act, refresh your memory on how the bill is different from the Affordable Care Act. See ...

How the QSEHRA works for employees without minimum essential coverage

When Congress passed the 21st Century Cures Act in December 2016, it created a new health plan for small businesses—the qualified small employer ...

How a little-known Nevada insurance law benefits residents

A little-publicized Nevada law provides residents with a unique opportunity that doesn’t exist anywhere else in the Untied States. NRS 687B.480, ...

The AHCA Passed the House—What It Means for Small Businesses

The House of Representatives took the first step last week toward attaining a long-desired goal—the repeal and replacement of the Affordable Care Act ...

Millennials in the Workplace—How Their Benefits Needs Vary

Millennials are now the largest generation in the American workforce. As baby boomers retire and a younger generation of workers fills their shoes, ...

Tax-Free Fringe Benefits: The Key to Employee Retention

Note: This is a guest post from our friends at Larry L. Bertsch, CPA & Associates, a Las Vegas–area firm operating since 2003.

8 Questions to Ask About a QSEHRA Administration Tool

The following is a summary of a section from our free resource, The Comprehensive Guide to the Small Business HRA. If you would like to download the ...

How to choose a QSEHRA plan administrator

The following is a summary of a section from our free resource, The Comprehensive Guide to the Small Business HRA. If you would like to download the ...

Want to Increase Employee Retention? Provide More Health Policy Options

Research consistently shows that health benefits top the list of benefits employees value most. However, today’s workers are looking for more than ...

Survey: Personalized Employee Benefits More Desirable Than Ever

Declining unemployment rates, rising wages, and a rebounding economy mean that today’s workers can afford to be choosier when it comes to finding ...

How to manage your QSEHRA

This post is an extract from our eBook, The Comprehensive Guide to the Small Business HRA. You can download the full guide for free by clicking here. ...

5 Steps for Successfully Communicating with Your Employees About the QSEHRA

This post is a summary of a section from our eBook, The Comprehensive Guide to the Small Business HRA. If you’re ready to offer the Qualified Small ...

How Businesses and Their Employees Are Using HSAs: Report

Although the recent Republican proposal to replace Obamacare was withdrawn before it could be put to a vote, the GOP has stated that it plans to ...

How to Switch to Your Spouse's Health Insurance Policy Midyear

Married couples share a lot of things, including health insurance coverage in some cases. If you want to switch to a spouse’s policy—or your spouse ...

Compliance Concerns with Multistate Health Insurance

There are many advantages to employing workers across state lines. Businesses can choose from a larger talent pool, and surveys show that remote ...

Why You Should Offer an HSA with Your QSEHRA

In recent years, the number of Americans participating in health savings accounts (HSAs) has increased dramatically. Within the last decade, HSA ...

5 Questions Businesses with Employees in Multiple States Should Ask About Health Benefits

As we’ve discussed before, more and more businesses are expanding their operations to other states. Virtual workplaces, better connectivity, and ...

6 FAQs on QSEHRA Reimbursement

In December 2016, Congress revised and revived a popular employee benefits option: the health reimbursement arrangement (HRA). Many users of the new ...

Average Reimbursement Plan Allowances by State

This article is a summary of a section from our free resource, Small Business Health Insurance Reimbursement: Annual Report 2017. In the face of ...

How to Boost Employee Retention and Reduce Turnover

Employee turnover is expensive, costing businesses six to nine months’ salary on average. Savvy employers recognize that keeping their people means ...

Business Health Insurance Costs: HRAs vs. Group Plans

Health care costs are projected to increase by 6.5 percent in 2017, which means they will continue to expand more rapidly than inflation. As a rising ...

How to set up a Small Business HRA (QSEHRA) in 8 easy steps

If you’re interested in establishing a small business HRA, or qualified small employer health reimbursement arrangement (QSEHRA), for your company, ...

Is Your Company Making These 3 Health Insurance Reimbursement Mistakes?

Recent health reform has left many businesses wondering if their health reimbursement plans for their employees are compliant with current laws. ...

How to Set a QSEHRA Budget

The following are excerpts from our free eBooks, The Comprehensive Guide to the Small Business HRA and The QSEHRA: Annual Report 2019. If you’re ...

3 Reasons HRAs Are Good for Small Businesses

The following is an extract from our free eBook, The Comprehensive Guide to the Small Business HRA. Click here to download the full eBook, which will ...

Benefit-Related Compliance and Cost Management Are Overwhelming for Small Businesses

It’s no secret that health insurance is a complicated subject. From deciphering information in benefits statements to sorting out which services and ...

Premium Tax Credit MAGI Charts for 2017

Despite the political climate, premium tax credits (sometimes called subsidies) are still available to individuals who don’t receive health insurance ...

HSAs Are Good for Both Businesses and Employees [Infographic]

As we’ve discussed before, businesses with fewer than 50 employees have several choices when it comes to health insurance options for small groups. ...

FAQ - 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. ...

Survey Reveals Wellness Programs Lower Employee Stress

Working life can be stressful, but according to a recent survey by workplace wellness provider MediKeeper, American workers report less stress when ...

How HSA Contribution Limits Work for Spouses

In today’s marketplace, many people get their health insurance coverage from a spouse’s benefits plan; however, a growing number of married couples ...

Employee Recruiting and Retention Stats for 2017

According to a recent report by Glassdoor, employees and would-be employees have an edge in today’s job market, with 90 percent of recruiters ...

Using HSAs with Social Security and Medicare for Individual Health Insurance

Health savings accounts (HSAs) have been around since 2003; however, many people remain unfamiliar with them. Similar to a personal savings account, ...

4 Things to Know about HRAs and Health Reform in 2017 and beyond

Recent health-care reform initiatives, including the passage of the 21st Century Cures Act in December 2016, have ushered in significant changes that ...

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

Health savings accounts (HSAs) have become a popular option for people who wish to have comprehensive individual health insurance while building up ...

Average Health Insurance Costs for 2017

An analysis of individual and family health insurance policies available in 2017 reveals that costs have increased across the board from 2016. ...

The Least and Most Expensive States for Group Health Insurance

You probably already know that the cost of living varies greatly from region to region. Where you live dictates how much you pay for just about ...

2017 Federal Poverty Level Guidelines

The U.S. Department of Health and Human Services (HHS) has released the federal poverty level (FPL) guidelines for 2017. Individuals whose household ...

Small Business Owners Optimistic About Growth in 2017

The year is still young, but a survey conducted at the close of 2016 indicates that small business owners are confident about growth in 2017. ...

2016 ACA Enrollment by the Numbers

It seems that not a day goes by without Obamacare making headlines. As the new Republican administration gets settled, it’s an understatement to say ...

Employee Retention Efforts Can Reduce Turnover

Studies show that employee turnover can be one of the biggest costs for businesses. On average, businesses must spent the equivalent of six to nine ...

Millennial Workers Want a Mix of Traditional and Nontraditional Benefits

As baby boomers move into their retirement years, younger generations will continue to step into their shoes in the workplace. According to a Pew ...

Why Spousal Benefits Are Key to Employee Retention

For many small businesses, employee retention efforts include offering comprehensive health insurance benefits. However, rising health costs have ...

How Employee Wellness Programs Can Improve Employee Retention

According to the World Health Organization, the average person spends one-third of their life at work. With so much of our time unfolding in the ...

How to Report Small Business Health Insurance at Tax Time

The Affordable Care Act (ACA) has added some additional paperwork to the tax-filing process. Employers offering small business health insurance are ...

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

Every day, we talk to employers, agents, or other financial professionals who ask me questions about Health Savings Accounts (HSAs), and how they ...

Better Communication Can Boost Small Business Health Insurance Enrollment

The new year will undoubtedly bring many changes, including new opportunities for businesses to tap into what their employees are looking for when it ...

The Difference Between HRAs and HSAs

There are a lot of acronyms used when discussing nontraditional health benefits options. Two of the most popular and promising options are HSAs ...

Study Shows Personalized Health Benefits Boost Employee Retention

As 2017 gets underway and a new political administration takes over, businesses across the country are likely to confront a variety of changes in the ...

Using HSA Funds for Dependents’ Individual Health Insurance Expenses

Many people have questions about health savings accounts (HSAs) when they’re offered alongside their individual health insurance. The Internal ...

Average Health Insurance Cost for Subsidized Policyholders Less Drastic

It seems as though you can’t turn on the news without listening to chatter about rising health-care costs. It’s true: The average health insurance ...

How to Calculate Your Premium Tax Credit with a QSEHRA

When the 21st Century Cures Act created the qualified small employer health reimbursement arrangement (QSEHRA), also known as the Small Business HRA, ...

Survey Shows Poor Individual Health Insurance Literacy

With the increase in individual health insurance premiums and out-of-pocket costs, many are experiencing confusion regarding their policies. You ...

Minimum contribution requirements: group health vs. the QSEHRA

Navigating the waters of group health insurance can be frustrating for small business owners. Not only are premiums expensive, but they are also ...

There Is Still Time to Make Changes to Your 2017 Individual Health Insurance

Millions of Americans have already made their individual health insurance selections for 2017 through the Affordable Care Act (ACA). But some are ...

The State of Health Insurance Cost in 2017

Health insurance costs have increased sharply in 2017. The effects of the increases have been widespread, reaching both group health policies ...

The QSEHRA’s notice requirements

When the 21st Century Cures Act was passed in December 2016, small businesses welcomed the creation of a new compliant Health Reimbursement ...

Health Care Sharing Ministries and the QSEHRA

Since the passage of the Small Business Healthcare Relief Act (SBHRA) as part of the 21st Century Cures Act, people enrolled in health care sharing ...

2017 Standard Mileage Rates and How They Affect Health Reimbursement

Each year, the Internal Revenue Service (IRS) evaluates expenses eligible for reimbursement through tax-advantaged group plans, such as Health ...

How Do I Calculate My Health Insurance Tax Credit?

Massive health insurance tax credits will become available to help you and your family buy health insurance coverage through the new state Health ...

Improve Employee Retention—Without Group Health Policies

Operating a small business can seem overwhelming at times, and finding reliable resources to help you problem-solve can be a struggle. Online ...

The Pros and Cons of Medi-Share

If you’re experiencing some sticker shock with your 2017 health insurance increases, you’re not alone. Many people are searching for alternative ...

6 Answers to Common HSA Questions Our Clients Ask

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 ...

Growing Health Insurance Concern: The Underinsured Epidemic

With the rising cost of health insurance comes another concern that has historically received far less attention. The most recent Biennial Health ...

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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.

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