Voluntary Benefits: Is Health Insurance Enough?
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Health Savings Account: A Misnomer
A Health Savings Account (HSA) vendor analyzed how its members spent funds in their accounts and found 93% of the money was spent on regular copays and medical bills. The problem with the high deductible health plan (HDHP) + HSA premise is thus: premiums are affordable for HDHPs because of the high deductible. When an employee is paying $500-$600/month in...
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2019 HSA and Out of Pocket Maximum (OOP) Limits
The IRS released Health Savings Account (HSA) contribution limits and High Deductible Health Plan (HDHP) amounts for 2019. See the IRS announcement here.
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Kaiser Cost-Sharing Changes for HSA-Qualified HDHP Plans
Kaiser has implemented a change to cost sharing for HSA-qualified high-deductible health plans. For Kaiser members with these plans, some scheduled, non-preventive phone and video visits are now subject to the deductible. Kaiser is making this change in how they charge for these services to better align with IRS rules for HSA-qualified plans. Beginning January 1, 2018 or when your...
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