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Now that tax season has arrived, it is time to file your income tax return and notify the IRS of your health insurance status. Requirements for proof of insurance vary according to the size of the company for whom you work. The proof of coverage will be provided to you in one of two ways: Form 1095-A if you obtained coverage using Covered California. Form 1095-B if you did not use the marketplace but obtained health insurance directly...

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As you might already know, California law now requires all employers with more than 5 employees to either offer their workers a qualified retirement program (such as a 401k) or enroll in the state-sponsored CalSavers program. Passed in 2016, the law is designed to address the needs of 7 million Californians who lack a retirement plan. For the past five years, the law has been gradually phased in, and now smaller employers must comply....

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As an individual, you are subject to the rules of the Affordable Care Act with regard to minimum essential healthcare coverage. For those of you covered under an employee-sponsored healthcare plan, it is important to understand notice deadlines so that you can begin gathering your documents for tax season. How large is your employer? If you work for an Applicable Large Employer (ALE) which employs 50 or more full-time employees on...

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As we approach the end of the year, employers should begin to prepare for tax season. Per the Affordable Care Act, you are required to file a number of forms with the IRS as well as send notices to your employees. Who must report? Applicable Large Employers (ALEs), defined as a business which employs, on average, 50 or more full-time workers. Any employer can qualify as an ALE, including tax-exempt organizations and government...

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As you probably already know, offering your employees health insurance can be one of the best ways to both attract and retain the best workers. Providing a group healthcare plan also keeps workers healthier and happier, reduces the number of sick days and schedule interruptions, and inspires loyalty to your company. But of course, obtaining a group healthcare plan can be challenging for smaller businesses, for numerous reasons. If...

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As you probably already know, California’s Individual Mandate for health insurance took effect at the beginning of 2020. At that point, all California citizens were required to maintain minimum essential health coverage for all twelve months of the year. The requirements allowed for employer-sponsored plans, plans purchased through Covered California, plans purchased directly from providers, Medicare plans, and Medi-Cal (the Medicaid...

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