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AHCA and the Preexisting Conditions Debate—What Employers Can Do During Uncertainty | San Antonio Benefit Advisors

Preexisting conditions. While it’s no doubt this term has been a hot topic in recent months—and notably misconstrued—one thing has not changed; insurers cannot deny coverage to anyone with a preexisting condition.  Now that House Resolution 1628 has moved to the Senate floor, what can employers and individuals alike expect? If passed by the Senate … Continued

Senate Releases Health Care Proposal | San Antonio Benefit Advisors

This morning, Senate Republicans released their proposal to repeal and replace the Affordable Care Act (ACA). Called the Better Care Reconciliation Act of 2017 (BCRA), the Senate proposal adopts H.R. 1628, the bill narrowly passed last month by the House of Representatives, but replaces all the text. The Senate proposal was released without going through … Continued

Small Employers Lead the Way in Funding HSAs | San Antonio Benefit Advisors

The average employer contribution to an HSA is $474 for a single employee (down 3.5 percent from 2015 and 17.6 percent from five years ago) and $801 for a family (down 9.2 percent from last year and 13.7 percent from five years ago). There was a 26 percent increase in the number of individuals enrolled … Continued

The Risk of Being Uninsured (and the Hidden Bargain in Addressing It Now) | San Antonio Benefit Advisors

With all the expenses of everyday living, it’s tempting to think of insurance as just another cost. What’s harder to see is the potential cost of not buying insurance—or what’s known as “self-insuring”—and the hidden bargain of coverage.The Important vs. the Urgent We’ve all experienced it: the tendency to stay focused on putting out fires, … Continued

2018 Amounts for HSAs; Retroactive Medicare Coverage Effect on Contributions | San Antonio Benefit Advisors

IRS Releases 2018 Amounts for HSAsThe IRS released Revenue Procedure 2017-37 that sets the dollar limits for health savings accounts (HSAs) and high-deductible health plans (HDHPs) for 2018.For calendar year 2018, the annual contribution limit for an individual with self-only coverage under an HDHP is $3,450, and the annual contribution limit for an individual with … Continued

Answers to the Top 4 Questions about Section 105(h) Nondiscrimination Testing | San Antonio Benefit Advisors

Under Internal Revenue Code Section 105(h), a self-insured medical reimbursement plan must pass two nondiscrimination tests. Failure to pass either test means that the favorable tax treatment for highly compensated individuals who participate in the plan will be lost. The Section 105(h) rules only affect whether reimbursement (including payments to health care providers) under a … Continued

Qualified Small Employer Health Reimbursement Arrangements and ERISA | San Antonio Benefit Advisors

Certain small employers have the option to reimburse individual health coverage premiums up to a dollar limit through Qualified Small Employer Health Reimbursement Arrangements (QSE HRAs) under the 21st Century Cures Act (Cures Act).The Cures Act amends the Employee Retirement Income Security Act of 1974 (ERISA) to exclude QSE HRAs from the ERISA definition of … Continued

Well-Being Strategies for a Diverse Workforce, Building Value at an Individual Level | San Antonio Benefit Advisors

Your organization has 312 employees, which means you have 312 different needs for well-being support. Well-being strategies should not be a one-size-fits-all approach. Developing a set of flexible and responsive well-being strategies that meet changing individual needs throughout an employee’s tenure is a critical way to both attract and retain talent. A few case studies … Continued

Factor Emerging Trends, Generational Needs Into Wellness Programs | San Antonio Benefit Advisors

Your wellness program seems to have it all – biometric screenings, lunch and learns, and weight loss challenges. So, why do you struggle with engagement, or to see any real results? While traditional wellness components are still a large part of plans today, emerging trends, coupled with generational differences, make for challenges when designing an … Continued

3 Questions to Ask When It Comes to Life Insurance | San Antonio Benefit Advisors

Your life insurance needs will ebb and flow throughout your lifetime. Buying a term policy early in your career or taking a basic employer-issued life insurance policy is a common course of action.However, deciding how much and what type of life insurance you need at each stage of your life will serve you and your … Continued