Cutting corners on tax or insurance rules might seem harmless, but the consequences can be severe...
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Week 54: The HSA ‘Loophole’ for Adult Children on...
A little-known quirk in the HSA rules means adult children under 26 can sometimes open their own...
Week 53: The ‘Why’ of Medicare Can Be Misleading
This week: Many health plans use “% of Medicare” as a benchmark for hospital pricing. It sounds...
Week 52: The 6-Month Retroactive Part A Trap for HSAs
Many people keep working past 65, stay on an HSA-qualified plan, and delay Medicare to keep...
Week 51: Captives: A Middle Path Between Fully Insured and Self...
This week: We take a closer look at health insurance captives – an alternative funding strategy...
Week 50: Is Consumer-Directed Health Care Still a Thing?
This week: Many employers think CDHC is old news, a relic of the past, but the truth is, consumer...
Week 49: When Coverage Isn’t Enough: The Hidden Costs of...
Even with good insurance, many Americans face a second, quieter battle: getting their prescribed...
Week 48: What’s in the Rest of the ACA?
The Affordable Care Act (ACA) is best known for Title I, which created exchanges, subsidies, and...
Week 47: Missed ACA Reporting? What an ALE Should Do When the...
Got an IRS Letter 5699 asking “Where are your Forms 1094-C/1095-C?” It’s a fixable situation – call...
Week 46: How the ACA Look-Back Method Works for Variable-Hour...
The ACA’s look-back method lets employers average hours over time and “lock in” full-time status...
Week 45: Prior Authorization: Why Everyone Hates It (and...
Pre-authorization is supposed to control costs, but for many patients and providers it feels like a...
Week 44: Employer Mandate Safe Harbors: A Practical Guide for...
The ACA’s affordability test is based on household income – but since employers rarely know that...