Employee Benefits
Understanding Your ERISA Obligations When Offering Individual Coverage HRAs
Whether you run a small business or have hundreds of employees, you can capitalize on a wide range of health care options. For instance, you can offer your employees an individual coverage health reimbursement arrange…
Individual
What You Need to Know About Special Enrollment Periods
As you likely know, the health insurance marketplace is a hub for individuals and families that are looking to purchase health insurance. Looking at the marketplace, you can find a wide range of plans that can fit bot…
Medicare
$80 Million for Navigators, Extending Open Enrollment, and State Expansion Options: A Comment
Each year the Department of Health and Human Services (HHS), under their division the Centers for Medicare and Medicaid Services (CMS), releases guidance for insurers. Typically this is pretty boring stuff. For the pl…
Employee Benefits
$0 COBRA and ARPA, How it works and if I should take it...
This past year has been pretty rough. If you've been laid off, the question of what to do with your health insurance may seem like a daunting task. This outline will bring you up to speed on some of the protections yo…
Medicaid
Children’s Health Insurance Program (CHIP)
About CHIP CHIP is short for the Children's Health Insurance Program – Pennsylvania's program to provide health insurance to uninsured children and teens who are not eligible for or enrolled in Medical Assistance. Reg…
Employee Benefits
Getting Close to 50 Employees? Unlocking the IRS mistakes that could cost you.
Starting in 2017, the IRS had begun sending notices to "applicable large employers"(ALEs) of their potential liability for an employer shared responsibility payment. See here for sample letter 226j. This letter, sent…
Individual
What is Coinsurance? And other key terms explained..
When it comes to health insurance, there are alot of terms thrown around. Coinsurance, copays, network, discounts, out of pocket maximum...why can't it just be easy? The "glossary of terms" is not much better. It's li…
Individual
Unpacking ARPA: Business Edition
Wow. Just wow. The American Rescue Plan Act(HR1319) is here. Signed into law on 3/11/2021 it is so much more than the $1,400 stimulus checks Congress has been promising. After several days we've read the full law top…
Individual
Unpacking ARPA: Consumer Edition
Wow. Just wow. The American Rescue Plan Act (HR1319) is here. Signed into law on 3/11/2021 it is so much more than the $1,400 stimulus checks Congress has been promising (we'll get to those). After several days we've…
Medicare
Turning 65 in 2022? Your 2020 Taxes Impact Medicare Premiums
If you talk to friends or family about Medicare, it's clear that at about age 64.5 somehow, somewhere insurers find out just how old you are. With a list of 64.5-year-olds in hand, they start with an onslaught of mail…
Public Policy
2021 Lancaster Chamber Legislator Recap
If you weren't able to attend the webinars related to the 2021 - 2022 legislative session and how they impact Lancaster, see below.1/18 Chamber call pertaining to Southern Lancaster.1/22 Chamber call pertaining to Nor…
Employee Benefits
1.2021 IRS Updates for Employee Benefits
The IRS has Released Procedural Updates Regarding Letter Rulings and Other Guidance For Employee Benefit Planshttps://www.irs.gov/irb/2021-01_IRB EMPLOYEE PLANSRev. Proc. 2021-4, page 157. This document updates Rev. P…