Category: HRAs

Exploring the ICHRA, Part II

July 10th, 2019

“ICHRAs alter the distribution model from wholesale (employer-sponsored, or group, coverage) to retail (nongroup coverage). It’s far more efficient and less costly for insurers to make a sale to one group of 100 employees than to four groups of 25. Changing the ratio of group to nongroup sales alters not only cost structure, but also.. Read more

Exploring the ICHRA, Part I

June 27th, 2019

  “But what happens when the company no longer sponsors insurance, but rather provides a stipend? Employees need to know where to go to find coverage.”  William G. (Bill) Stuart Director of Strategy and Compliance June 28, 2019 Earlier this month, the Trump administration issued guidance establishing two new HRAs – the Individual Coverage HRA.. Read more

Cadillac Tax Back in the Cross Hairs

December 7th, 2017

“Employers have no control over the amounts (other than to limit them altogether) that individual employees find necessary to meet their medical, dental and vision needs in a given year. Rational employers will terminate Health FSA and HSA programs if they must pay a tax equal to 40% of the total value of contributions into.. Read more

HRA or HSA?

June 8th, 2017

“These companies need to calculate the cost of not attracting potentially valuable candidates or losing employees who add the greatest value to the company. Those costs typically are measured in tens of thousands of dollars. The HRA vs. HSA decision should be made in this larger context.” William G. (Bill) Stuart Director of Strategy and.. Read more

The QSEHRA Opportunity

January 19th, 2017

President Obama signs the 21st Century Cures Act. Employers: Are you willing to share your expertise with other benefits professionals? Healthcare Trends Institute, a leader in analyzing and disseminating information about employee benefits, is seeking input. You can find more information and the link to a five-minute survey here. “QSEHRAs give employers a fourth option:.. Read more

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