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2018 HSA Contribution Figures

The IRS set new limits for Health Savings Accounts for 2018. The contribution limits are rising: For individual accounts: rising by $50 to $3,450 (from 2017's $3,400) For family accounts: rising $200 to $6,900 (from...

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2017 HSA Contribution Figures

The IRS announced the 2017 HSA limits today. We are especially excited to see they raised the Individual contributions as it has not changed in 2 years. Here are the details: Out of pocket maximums are unchanged at $...

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Grandmothering Law: Small Groups May Keep Existing 2013 Plans

Fantastic news has swept the insurance industry and we couldn't be more excited for companies with less than 50 employees! Governor Jerry Brown signed Senate Bill 1446 (SB 1446 DeSaulnier) which provides small...

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ACA Final Rules for Employers

On March 5, 2014, the Internal Revenue Service released the two final rules on ACA health coverage reporting requirements. The new rules are intended toprovide the IRS with information necessary to administer other ACA...

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ACA Deductible Limits Repealed

On April 1, 2014, President Obama signed the Protecting Access to Medicare Act retroactively effective to March 2010 in compliance with the Affordable Care Act (ACA). The Act adds provisions to preserve the...

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Employer Mandate Delay

There has once again been another delay for the Affordable Care Act (ACA). The Department of the Treasury and the Internal Revenue Service announced yesterday that the ACA's health coverage Employer Mandate will be...

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A High Level View of Health Care Reform

Commonly referred to as ObamaCare and certainly misunderstood, the Affordable Care Act (ACA) is officially in effect with the new year. With ACA comes numerous changes to health care as you know it. First, ObamaCare isn'...

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SHOP Exchange Notice & Exchange Delivery Requirements

SHOP Exchange Notice All employees must receive a notice, regardless of their full or part-time status, and whether or not the are currently enrolled under your health plan. This includes employees that are not even...

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Defense of Marriage Act (DOMA) Impact

By now you've read or heard about the Supreme Court of the United States ruling regarding marriage. Basically, the Court said that denying recognition to same-sex couples who are legally marriedunder state law is...

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Temporary Guidance on the Employee Notice of Exchange Options

On May 8, 2013, the Department of Labor (DOL) provided temporary guidance and model notices that employers may use to inform their employees about the Exchanges, which will be available January 1, 2014. Please note that...

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2014 HSA Contribution Figures

On May 2, 2013, the IRS released the new Health Savings Account (HSA) index figures for 2014. The IRS provides this early release to help plan sponsors and participants budget for the upcoming year. The 2014 index...

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2013 Health Care Reform Changes

First, a very happy new year to all of you! Now that we find ourselves on day 2 of 2013, I'm sureyou've already briefed yourself on the latest and greatest in Health Care Reform right? No? Read on. Beginning January 1,...

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Blue Shield is Reducing Paper Mailings

Beginning in January 2012, Blue Shield is reducing the amount of paper they are sending to their members. Subscribers with claims showing no share cost will receive their Explanation of Benefits (EOBs) online, instead...

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UHC Prescriptions: Refill & Save

Refill and Save Program - United Healthcare's Refill and Save program allows members to receive a $20 discount on their copay when they refill their prescription within a specified amount of time. For a typical 30 day...

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HSA Annual Contribution Limits Announced

For calendar year 2012, the annual limitation on deductions under § 223(b)(2)(A) for an individual with self-only coverage under a high deductible health plan is $3,100. For calendar year 2012, the annual limitation on...

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10 Simple Ways to Stretch Your Health Care Dollars

No matter where you turn- whether in the local coffee shop, the nightly news or a Facebook status, the rising cost of health care and the overwhelming effects it is having on individuals and employers alike is on...

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Home Delivery Pharmacy (Mail Order Programs)

This week, we look at another way to manage your insurance to glean the greatest benefit. Designed especially for individuals who take prescription medications on an ongoing basis, home delivery pharmacy (also known as...

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Keep Your Best Employees on Your Payroll

Employee turnover is a substantial expense for most employers. After all, a great deal of time and money goes into recruiting and training employees. There is also a certain degree of productivity loss from the learning...

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HSA Deadline

Tax day is rapidly approaching, which also means important deadlines regarding Health Savings Accounts (HSAs) are also rapidly approaching. Maximize your contribution benefits by contributing the maximum amount for...

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