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The IRS requires that any organization that offers a cafeteria plan (or in other words, a pre-tax benefit plan) must perform various tests on the plan annually at the end of each plan year to determine if the plan is nondiscriminatory. In other words the plan cannot favor highly compensated employees.
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Categories: Benefits in General, Compliance | Tags: IRS , Nondiscrimination Testing , Key Employees , Highly Compensated Employees , Non-Highly Compensated Employees , FSA , Premium , Cafeteria Plan
The IRS has updated Questions and Answers (Q&As) on the employer shared responsibility provisions of the Affordable Care Act on their website to address the effect of association health plans (AHPs) on applicable large employer (ALE) status if the employer offers health coverage through an AHP.
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Categories: Health Care Reform, Compliance | Tags: AHP , ALE , Association Health Plans , IRS , Q&A , Applicable Large Employer , employer mandate , employer shared responsibility

Will My HRA Be HSA Compatible in 2019?

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As you approach 2019 and may be considering implementing a high deductible health plan (HDHP) with a Health Savings Account (HSA), now is a good time to begin reviewing your existing Health Reimbursement Arrangement (HRA) to ensure it remains HSA compatible. If you currently have an HRA and an HSA arrangement or you are looking to implement a HSA compatible HRA you will also need to review the plan design details to ensure HSA compatibility.
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Categories: Benefits in General, Compliance, Health Care in General | Tags: HSA , HRA , HSA Compatible , Minimum HDHP Deductible , 2019 limits
If you are looking at implementing a Health Savings Account during this upcoming 2019 open enrollment season, you should carefully review the details of your existing benefit plan(s), in order to identify any issues and make any required modifications in advance when possible to preserve HSA eligibility.
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Categories: Benefits in General, Compliance, Health Care in General | Tags: HSA , Health FSA , HRA , Health Savings Account , Health Care Flexible Spending Accounts , Health Reimbursement Arrangements , HSA Headaches , Disqualifying Coverage , Qualified HDHP , HDHP , Rollover , Grace Period , HSA eligibility