How does the employer mandate apply to controlled groups?
The Affordable Care Act (ACA) requires applicable large employers (ALEs)—those with 50 or more full-time employees—to offer health insurance that meets both aff …
The four best health insurance options for solo pastors
For a big church with several pastors, responsibilities are often shared. However, solo pastors at smaller churches often carry the weight of all responsibiliti …
What you should know about Hawaii’s Prepaid Health Care Act
While employers in most states only need to consider the Affordable Care Act's (ACA) employer mandate when it comes to determining if they need to provide healt …
The ICHRA notice: what are the requirements?
The Departments of the Treasury, Labor, and Health and Human Services require employers to follow specific regulations to offer their employees an individual co …
Health insurance stipends pros and cons
Many small employers who can't afford to offer formal health benefits may decide to give employees a taxable stipend to pay for healthcare expenses. While this …
What you need to know about ICHRA substantiation requirements
The individual coverage health reimbursement arrangement (ICHRA) is an IRS-approved health benefit that allows businesses to offer their employees an allowance …
2021 ICHRA Report
Since the individual coverage health reimbursement arrangement (ICHRA) was first available in 2020, employers both big and small have adopted the unique health …
Does the ICHRA require a summary of benefits and coverage?
Since 2012, the federal government has required employers offering a group health plan to provide eligible participants with an easy-to-understand summary of a …
What you can—and can't—change mid-year in your ICHRA plan design
We’ve had thousands of conversations with organizational leaders interested in adopting the individual coverage HRA (ICHRA) over the last year and a half. One o …
Top 25 health insurance companies in the U.S.
How to calculate modified adjusted gross income (MAGI)
What percent of health insurance is paid by employers?
