Whether you eat three or six meals a day, maintaining a healthy weight comes down to what you eat, how much you eat and how much energy you use. We gain weight when we eat more calories than we burn. So it’s really important to couple balanced meals with an active lifestyle. Everyone has different […]
Health affects everything: Your quality of life. Your emotional and mental well-being. Your relationships, work, and finances. Even what you do for fun. So don’t take your health for granted. Spread a healthy living message to everyone you know. It’s not hard to do. You can ride your bike more and motivate others to do […]
More than 60% of your body is made of water, which you need to function. When you sweat, go to the bathroom or even breathe, you lose a lot of that water. And the best way to get it back is through food and drink. How much water does the average healthy adult need in […]
The eMagazine dedicated to improving members’ well-being Your heart matters Make your ticker — and your taste buds — happy Your heart likes activity Take CAUTION against cancer GOAL SETTING:A blueprint for fitness success Blood pressure: Do you know your numbers? Too much stress can distress your heart In each issue you will find information […]
The originators of the Affordable Care Act (ACA) never intended to encourage the use of Health Savings Accounts, (HSA). After all, ACA’s proponents view HSAs as a tax break for the wealthy. But they are trending upward across the general population with 16 million total accounts in 2015, (22 percent yearly increase) containing over $30 […]
Update – Employer Reporting Requirements for Forms 1094B/1095B The latest – The Internal Revenue Service (IRS) issued Notice 2016-4 on December 28, 2015 which announced a filing extension for Forms 1094B/1095B. The revised deadline for employers to provide Form 1094B to employees is March 31, 2016; and filing Form1095B to the IRS is extended to […]
Applies to all small employer plans in California Background Two years ago the Affordable Care Act’s mandated premium rating method went into effect for small employers (under 50 employees). As of January 1, 2016, all small employers in California (under 100 employees) must be rated according to the ACA rating method. This ACA mandate applies […]
A health insurance captive is an insurance arrangement that is owned and controlled by its insureds. Mutual insurance companies, Multiple Employer Trusts and Multiple Employer Welfare Arrangements, also have a similar structure. While a captive can certainly be established and owned by one employer, and many single large employers do own and operate captives, this […]
When an employer established an employee benefit plan (ERISA health and welfare plan), any contributions that employee’s make are regulated by ERISA as ERISA plan assets. There are volumes of regulations regarding the classification and handling of plan assets. Basically, for small employer health plan contributions, the employer needs to ensure that the amount being […]
Health plan “waivers” are a very important requirement to protect employers from liability. What is a waiver and what does it do? The waiver is a legal document that states the employee has been offered health coverage and is declining coverage. If an eligible employee does not complete a waiver form, thereby officially declining the […]