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20 Jan 2014, 5:00 pm
A nearly $2 million settlement agreement with a California-based government contractor announced January 15, 2014 by the U.S. [read post]
20 Jan 2014, 2:50 pm
All rights reserved.Filed under: Employers, Health Plans, HIPAA, Human Resources, Insurance Tagged: 125, 401(a)(4), cafeteria plan, closed defined benefit plan, defense of marriage act, defined benefit plan, discrimination testing, FSA, HSA, nondiscrimination, Qualified Plan, Windsor [read post]
20 Jan 2014, 2:37 pm
All rights reserved.Filed under: Employers, Health Plans, HIPAA, Human Resources, Insurance Tagged: 125, cafeteria plan, defense of marriage act, FSA, HSA, Windsor [read post]
20 Jan 2014, 2:23 pm
As a result, IRS pre-Winsor guidance prohibited HSAs, FSAs and other cafeteria plans from allowing employees to elect coverage of same-sex spouses on a pre-tax basis under a cafeteria plan unless the spouse otherwise qualified as a tax dependent of the employee. [read post]
20 Jan 2014, 5:30 am
Unfortunately, he didn't act quickly enough to get it reinstated.So we've been looking at new ObamaTax plans, and he's in for rather a shock:His "old' plan was a $2,500, 0% co-insurance HSA plan. [read post]
16 Jan 2014, 11:00 am
On the one hand, 20% is still decent, but I think it's unlikely that any of the other carriers are going to be scrambling to get a piece of that action.And while we're on the subject of high deductible plans, Bob pointed out, in comments to yesterday's same-sex couples' insurance woes post) that "Some HDHP (HSA qualified) plans use an aggregated deductible for family plans. [read post]
8 Jan 2014, 8:37 am
As recently as 2013 there were over half a dozen plan choices including copay plans, HSA and HRA.That all changed in 2014 when Blue Cross of Georgia was named the lone TPA and the plan choices were reduced to three Obamacare metal plans: Gold, Silver and Bronze.Gone were copay plans. [read post]
6 Jan 2014, 2:03 pm
Here's the good news:PPO Cat Plan w/$6350 deductible, then 100% (also: $40 PCP co-pays): $169/month PPO Bronze HSA (!!) [read post]
31 Dec 2013, 11:35 am
.); Stand-alone dental or vision coverage that qualifies as excepted under HIPAA; Coverage only for a specified disease or illness (such as a cancer-only policy); Hospital indemnity or other fixed indemnity insurance; Contributions to an HSA or Archer MSA, which are separately reported on Form W-2; The cost of coverage under a Health Reimbursement Arrangement (HRA); Salary reduction elections to health FSAs (note: complex requirements apply to health FSAs offered through cafeteria plans… [read post]
20 Dec 2013, 7:30 am
And if it were deemed Health Savings Account (HSA) compatible well, then, Bob's your uncle.Alas, that's not to be.But there are a few problems with how this is being handled, not the least of which is that it is blatantly, spectacularly illegal.Here's the relevant section from the ObamaTax itself (emphasis added): (e) CATASTROPHIC PLAN. [read post]
8 Dec 2013, 7:00 pm
The issue was put before Arbitrator Robert Diebolt in Health Employers Assn. of British Columbia and HSA BC (Influenza Control Program Policy), October 23, 2013. [read post]
2 Dec 2013, 10:18 am
Employers’ payments into their employees’ HSAs and HRAs would be the equivalent of the cash wages paid to such employees, wages which the employees are free to spend as they choose. [read post]
2 Dec 2013, 7:48 am
Ed Zelinsky (Cardozo) has an interesting post on his OUP blog discussing a possible compromise to the on-going dispute between for-profit religious corporations, like Hobby Lobby, and the Obama administration's Affordable Care Act's (ACA's) contraceptive coverage mandate. [read post]
20 Nov 2013, 7:00 am
HSA provided a grout only stabilization program. [read post]
15 Oct 2013, 10:30 am
At Answers.com:"While the HSA concept is still alive, it has been drastically changed by the ACA"Original content copyright © InsureBlog [read post]
7 Oct 2013, 12:40 pm
What's not making much sense yet is that the HSA plan (with $1,000 higher deductible and no co-pays) is actually a bit more expensive than the non-HSA version. [read post]
30 Sep 2013, 12:45 pm
A friend of mine, who lives in the Wilmington area, just received his 2014 "renewal" from Blue Cross/Shield, as well as a copy of the internal rate sheets for their new "metal" plans.As one might expect, although he likes his current (HSA) insurance plan, he can't keep it. [read post]
27 Sep 2013, 7:00 am
The Affordable Care Act creates rules that could affect special employer healthcare plans like HRAs and HSAs. [read post]
23 Sep 2013, 9:54 pm
The HSA is a bit like an IRA for medical expenses. [read post]
18 Sep 2013, 4:00 am
Zelinsky (Cardozo), The Hobby Lobby Problem and the HSA/HRA Solution, 140 Tax Notes 1117 (Sept. 9, 2013): The controversy about the contraception mandate is unnecessary. [read post]
