Are You Part of the 12%?

July 11th, 2018

“Too often, companies introduce their HSA program during open-enrollment meetings. Usually, by the time presenters review the benefits of the medical options, there’s little time to discuss the medical account. Ideally, you start your HSA education program four to six months before the start of the new medical plan year. The goal is to teach.. Read more

Texas v. Azar: The Next ACA Battleground

June 20th, 2018

“It turns out that this shift to save the law may have reduced the threshold to amend it from the 60 votes normally required in the Senate for regular legislation to 51 through the reconciliation process, depending on what several courts say during the next year or two.” William G. (Bill) Stuart Director of Strategy.. Read more

Expanding HSAs

June 6th, 2018

“Giving more Americans with high medical, dental, and vision expenses more opportunities to pay less for these services should be a priority that every American, and member of Congress, can support.” William G. (Bill) Stuart Director of Strategy and Compliance June 7, 2018 The Health Savings Account industry, represented by the American Bankers Association HSA.. Read more

Your HSA Compliance Questions Answered

May 23rd, 2018

“This strategy is particularly popular in the small-group market, where deductibles are high and employee claims experience isn’t factored into premiums. Groups that are healthier (either fewer total claims or high claims among only a handful of employees) can benefit from this approach.” William G. (Bill) Stuart Director of Strategy and Compliance May 24, 2018.. Read more

The Advantages of an HSA

May 10th, 2018

“These are the benefits of HSAs of which we must never lose sight…  HSAs provide huge advantages to families of more moderate means, particularly as vehicles to build ‘rainy day’ medical savings and as a means to reduce the financial impact medical bills pose to family budgets.” William G. (Bill) Stuart Director of Strategy and.. Read more

An HSA Watershed Moment?

April 26th, 2018

“I asked a prospective retirement advisor whether I should contribute the next $5,000 of retirement savings into my company’s traditional 401(k), a Roth 401(k) or my HSA. He proceeded to tell me . . . “ William G. (Bill) Stuart Director of Strategy and Compliance April 26, 2018 Sometimes we know when we’re right in the.. Read more

A Sexagenarian Checklist

April 12th, 2018

“Medicare penalties aren’t like aggregated assault convictions. You can incur Medicare penalties and live outside prison. You don’t have to report to a probation officer, wear an anklet or leave the house only for your job as a retail-store greeter. And you don’t lose your right to vote. You don’t even have to register as.. Read more

The AV Solution

March 28th, 2018

“As a result of this law, no one with fully-insured HSA-qualified coverage in Maryland, (even women!) would be able to contribute to HSAs in 2018 because their plan covers vasectomy in full.” William G. (Bill) Stuart Director of Strategy and Compliance March 29, 2018 A new idea floating in Washington DC could have a dramatic.. Read more

An Omnibus and Three Priorities

March 14th, 2018

“Those folks need to answer to working families with extraordinarily high medical bills and tell them why Congress can’t find room in a $4 trillion (that’s $4,000,000,000,000) federal budget to provide them with an extra $2,000 or $3,000 of tax relief to pay their bills more easily.” William G. (Bill) Stuart Director of Strategy and.. Read more

The ACA, It Is a-Changin’

March 1st, 2018

“In this scenario, the government would conclude that if it allows Idaho to offer non-ACA-compliant plans, soon all “red” states will join the bandwagon and increasingly “push the envelope” to move more individuals from the ACA essential health benefits and other consumer protections.” William G. (Bill) Stuart Director of Strategy and Compliance March 1, 2018.. Read more

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