Individual Health Plans

Small-Group Market Remains Stable under the ACA

Small-Group Market Remains Stable under the ACA

A new report has concluded that the Affordable Care Act, which took full effect in 2013, did not result in a significant change in the number of employers offering health insurance, although the rate at which small employers offered coverage declined slightly by 2.6...

How HRAs Can Help Your Employees Pay for Medical Expenses

How HRAs Can Help Your Employees Pay for Medical Expenses

As rising health insurance premiums and out-of-pocket costs for health care are burdening workers, more employers are looking for ways to help their staff put aside money for those expenses. While health savings accounts have grown in popularity, you can only offer...

Health Insurance Considerations for Workers Who Move Out of State

Health Insurance Considerations for Workers Who Move Out of State

One fallout from the COVID-19 pandemic has been an increase in the number of Americans who are working from home permanently. With so many people being freed from the yokes of the office, many have chosen to move to other states for a variety of lifestyle or cost...

Long-Haul COVID Can Be Covered Under ADA

Long-Haul COVID Can Be Covered Under ADA

The Equal Employment Opportunity Commission has issued guidance stating that employees suffering from "long COVID-19" may be protected under workplace disability discrimination statutes. The guidance states that someone suffering from impairments resulting from...

IRS to Get Tough on ACA Reporting Form Mistakes

IRS to Get Tough on ACA Reporting Form Mistakes

The time when the IRS offers relief from financial penalties to employers that make errors on their group health insurance reporting forms has come to an end. Starting this year, the IRS will no longer offer protection against reporting error penalties when...

Employers Curtail Health Cost-Shifting to Workers

Employers Curtail Health Cost-Shifting to Workers

One of the health insurance trends that went largely unnoticed in 2021 was that employers halted cost-shifting to their employees by reducing or holding steady workers’ deductibles and other cost-sharing. That’s according to a new study by consulting firm Mercer,...