Non-Discrimination Testing: The Basics

What is Non-Discrimination Testing? It is a test to show there is no discrimination between the benefits given to highly compensated employees (HCEs)/key employees and other employees at the company. No discrimination means that [...]

Non-discrimination test for Medical FSA: What Happens If I Don’t Pass?

The non-discrimination test, also called a compliance test, is required for all Medical FSA, Dependent Care Accounts, and Pre-tax of Premiums under section 125 of the IRS code.  You can read part one of the article [...]

Oregon’s New Law on Balance Billing

When you receive a medical bill for a balance - even though you’ve already paid your deductible, coinsurance, or copayment- you might be wondering where the charges are coming from. Then you'll wonder why [...]

What is a Health Reimbursement Arrangement (HRA)?

What if we told you that you could save an average of $5,100 on your taxes every year by using a simple and straightforward health expense approach? A Health Reimbursement Arrangement Plan can do [...]

The State of Health Insurance for Your Employees: What Businesses Need to Do Next

With a new administration in office, there are plenty of businesses concerned with the state of their employee’s insurance policies. Here’s what businesses need to know...and what they need to do next. Continue to Notify [...]

What to Expect During Your First Trip to the Doctor with Your New Insurance Plan

Whether you’re visiting your doctor for a regular checkup or an emergency, the first time you visit with new insurance may be tricky. Here’s what to expect during your first trip to the doctor [...]

4 Ways Obamacare Might Change Now

The recent Presidential election has many Americans - and Oregonians - questioning what the next steps are for Obamacare. With Trump and the rest of the new administration sitting in the office, speculation about [...]

What Does the Future of Healthcare Look Like with the New Administration?

With the U.S. Presidential election now behind us, many Americans are justifiably curious about the future state of our healthcare system. In fact, we’ve been getting a lot of questions in our office about [...]

What is the Healthcare “Exchange Notice”? [Notice of Coverage Options: Part I]

If you’re in business – or if you’ve been paying attention to the news for the past 6 years – you’ve heard about the Affordable Care Act (or the ACA or Health Care Reform). [...]