Wednesday, August 26, 2015

Long Term Care’s Silver Tsunami

Recently I read an article in a trade publication that addressed the so called “silver tsunami”, related to long term care.  While the word “tsunami” certainly got my attention, some of the statistics mentioned in the piece had me downright concerned. As an employee benefits consultant/broker, health insurance is almost always at the top of theLEARN MORE

Wednesday, August 12, 2015

2016 Health Savings Account (HSA) Guidelines

Earlier this summer (2016) the IRS released its annual guidance affecting Health Savings Accounts (HSA), and associated qualified high deductible health plans (QHDHP).  Interestingly, for the first time since rules were relaxed to allow contribution amounts to be higher than a percentage of the deductible (remember those days?), the IRS chose to keep the maximumLEARN MORE

Saturday, August 8, 2015

Important ACA Modification Law Passed – PACE Act

Yesterday (October 7, 2015) the President signed the Protecting Affordable Coverage for Employees, or PACE Act, giving states the flexibility to define “small employer group”, for purposes of the Affordable Care Act (ACA). The PACE Act also redefines the definition of small employer to 1 – 50 employees. This is an extremely important tweak to the ACA, especially for employer groups that employ between 50 – 100 full and part-time employees.