Category: HSA Rules and Tools

Your Compliance Questions Answered

  “The only factor that matters when determining whether an HSA-eligible person is entitled to a family or self-only contribution is the size of the contract. Period.” William G. (Bill) Stuart Director of Strategy and Compliance November 1, 2018 An important part of my job is to answer your questions about Consumer-Driven Health (CDH) generally.. Read more

Your HSA Compliance Questions Answered

“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

Constructing a Better HSA

“And in perhaps the least visible effort to date, the administration is sifting through dozens of “innovation” proposals submitted late last fall designed to improve patient care, control costs and otherwise offer new approaches to delivering care.” By William G. (Bill) Stuart Director of Strategy and Compliance February 15, 2018 Health Savings Accounts have experienced.. Read more

Understanding Medicare and HSAs

“Ignore the label “penalty.”  When you reposition the penalty in your mind as a “surcharge,” you open yourself to analysis that might show a benefit to delaying Part D enrollment because the financial benefits outweigh the financial risks.” William G. (Bill) Stuart Director of Strategy and Compliance November 21, 2017 Many people find HSAs confusing… Read more

Choosing the Right Health FSA Extender

“This flexibility is a strong argument in favor of using this approach when employees transition from traditional to HSA-qualified coverage. Employers and participants must be vigilant to ensure that they don’t make a mistake that negates an employee’s HSA eligibility for an entire 12 months.” William G. (Bill) Stuart Director of Strategy and Compliance October.. Read more

Understanding Health FSAs

“There are three important ways employees benefit from participating in a Limited-Purpose Health FSA that employers should consider when reviewing whether to offer it:  Additional tax savings, preservation of HSA funds and cash-flow advantages.” William G. (Bill) Stuart Director of Strategy and Compliance October 12, 2017 One of the more difficult concepts for benefits administrators.. Read more