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The Affordable Care Act helps employers provide important healthcare benefits to their employees. But as with any large government action, the Act specifies numerous regulations and deadlines to which we must adhere. With tax season looming, there are a few important dates that both employers and employees should know. All Applicable Large Employers (ALEs), or those with 50 or more full-time employees, must offer Minimum Essential...

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Most of us think of health insurance in terms of treating injuries and illnesses while keeping costs affordable. But your healthcare plan can do a lot more than just help you when you’re sick or hurt; it can actually help you get healthier and stay that way through various wellness programs. The concept is fairly simple: Health insurance providers realized that providing care for a healthy group of people is more affordable. Because...

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Due to the rising cost of living and other factors, government agencies routinely assess available data and then release changes to various contribution limits and the cost of Medicare premiums. These changes are announced toward the end of each year and take effect in January of the following year. Here’s what you need to know as we approach 2023. Changing contribution limits to retirement plans. Those saving for retirement can now...

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If you are age 60 or so and gearing up for an expected retirement in a few years, you might feel concerned about the high cost of healthcare. You’re wise to consider this aspect of retirement planning, because it is true that Medicare won’t cover everything you need in retirement. You will still owe premiums and copayments, along with annual deductibles and even coinsurance charges for hospital stays. So how can you prepare for these...

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Unlike with individual health insurance, employers can establish a group healthcare plan at any time of the year. There is no wait for an open enrollment period. However, your business is required to meet minimum participation requirements, and you might be required to contribute a certain amount toward premiums.  We have good news: The Small Group Special Enrollment period makes it easier for small businesses to establish a...

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No matter what level of healthcare plan you choose, it is unlikely to always cover absolutely everything you want or need. In many cases we simply accept the burden of a few expenses outside of our plan’s coverage. But some things are too important to leave to chance… And it’s possible that vision care is one of those things. If you’re young and healthy, without any vision problems, you might feel that routine vision exams fall...

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