Webinar Q&A: Your Top Questions About the New HSA Rules
Health Savings Accounts are undergoing some of the most significant changes in more than 20 years. Recent legislation and IRS guidance have expanded HSA eligibility, made the telehealth safe harbor permanent, clarified Direct Primary Care compatibility, and introduced other important updates that employers and brokers should understand before open enrollment. Our recent webinar generated dozens...
As the benefits landscape evolves, employers and brokers are exploring new models that promise greater flexibility, personalization, and cost control. During our recent webinar, “The Hottest Acronyms of 2026: ICHRA, DPC, and AI,” our experts from Ameriflex, Accresa, and Workforce Go unpacked how these trends are shaping the future of healthcare benefits. Below are the…
What is an SPD and WRAP Document? A Summary Plan Description (SPD) contains specific information, required under federal law, describing the terms of the group health plan in a manner that is easily understood by the participants. The descriptions in an SPD include the plan name, employee eligibility requirements, employee rights and responsibilities, and more….
Providing employee benefits has always been a challenge in the cannabis industry. Between banking restrictions, federal scheduling issues, and hesitant insurance carriers, traditional group health plans have often been hard to come by. Individual Coverage Health Reimbursement Arrangements (ICHRA) are emerging as a flexible, compliant solution that’s transforming benefits for cannabis employers. Ameriflex specializes in…
Our webinar, Built for What’s Next: ICHRAs, Compliance, and Beyond, drew great questions from brokers and employers navigating the rapidly changing benefits landscape. Here’s a breakdown of the top questions asked and the answers provided by our experts. 1. What are the risks of incorrectly classifying employees for ICHRA eligibility? Employers are responsible for determining…
If you manage HR, you’ve probably heard of ERISA, the Employee Retirement Income Security Act. But even experienced professionals sometimes underestimate how much it shapes everyday benefits administration. From health plans to 401(k)s, ERISA is everywhere. Understanding it, and finding the right support, can save your organization from fines, lawsuits, or worse. Think of ERISA…
Employee benefits compliance feels like trying to hit a moving target while blindfolded. Between ERISA, ACA, COBRA, and ever-changing tax codes, even the most diligent HR teams can find themselves in hot water. The Department of Labor’s findings paint a sobering picture: 70% of employee benefit plan audits uncover compliance issues. That’s not a statistic…
Every few months, a new “solution” emerges in the benefits space. Some promise to simplify substantiation. Others claim to make “everything eligible.” And lately, I’ve seen an uptick in companies offering to fast-track Letters of Medical Necessity (LMNs) for items that may otherwise be ineligible under IRS rules. On the surface, these services appear to…
Understanding Healthcare Benefits and Compliance Terms This comprehensive glossary defines key terms related to the Employee Retirement Income Security Act (ERISA) and the Affordable Care Act (ACA) to help you navigate healthcare benefits and compliance requirements. A Affordable Care Act (ACA)Federal healthcare reform law enacted in 2010, also known as “Obamacare,” that expanded healthcare coverage…
If you’re an employer dealing with ACA compliance, brace yourself: the IRS just announced that employer penalties are going up by 15.2% in 2026. That’s the biggest jump we’ve seen in almost a decade, and it’s going to hit Applicable Large Employers (ALEs) where it hurts. The Numbers Don’t Lie Starting in 2026, here’s what…
The freelance economy is booming. Millions of people are working as independent contractors, gig workers, or self-employed professionals. While this kind of work offers freedom and flexibility, it also comes with one big drawback. Getting affordable health insurance without an employer can be tough. That’s starting to change. Individual Coverage Health Reimbursement Arrangements (ICHRAs) are…