Two themes have emerged in employer benefits trends this year: cost cutting and employee output optimization. Both are designed to get more from employees at lower costs. Plus, a few legal changes to keep employers on their toes.

Most healthcare plans are driven by employers. This is often why HSAs are first introduced by your HR benefits manager or office administrator. It is also the reason that HSA adoption is largely driven by employer healthcare options. As healthcare plans have become more expensive, employers have reacted by offering more HSA-eligible healthcare plans, like an HDHP (high deductible health…

Some of you might have heard of a “Cafeteria Plan.”  A smaller number may have even heard the term “Section 125.”  However, most HSA owners have never really needed to know these terms, much less the underlying mechanics governing the employer benefits programs it created.  Still, for a minority, including those serving in a company…

Small business owners are always looking for ways to maximize benefits while minimizing cost for both themselves and their employees. A small business HSA is a perfect way to limit healthcare costs while ensuring you have the dedicated money you need to pay for medical costs. What you might not know is that your company legal structure, and ownership…

HSA contributions create a clear path to dedicated health savings for any qualified out-of-pocket medical expenses. Employer payroll deductions ensure employees are saving pre-tax dollars. These pre-tax contributions help employees reduce real cost increases to healthcare costs.