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Health Insurance FAQs
Health Insurance FAQs

questions and answers about health insurance and employee benefits

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Health Insurance FAQs

questions and answers about health insurance and employee benefits

Plan Offering

Deciding what plans to offer is one of an employer’s core benefits decisions. These FAQs cover plan menus, base-and-buy-up designs, and matching options to a workforce.

How should an employer decide what health benefits to offer?

HealthInsuranceFAQs, June 16, 2026June 16, 2026

There’s no one-size-fits-all answer. Sound design starts with understanding your workforce (demographics, income, and preferences) and balancing four competing goals: employee satisfaction, affordability for the company, affordability for employees, and meeting the carrier’s participation requirements.

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Tax-Advantaged Accounts

  • POPs (Premium Only Plans)
  • FSAs (Flexible Spending Accounts)
  • DCAs (Dependent Care Accounts)
  • HSAs (Health Savings Accounts)
  • HRAs (Health Reimbursement Arrangements)
  • MERPs (Medical Expense Reimbursement Plans)
  • MPRAs (Medicare Premium Reimbursement Arrangements)
  • ICHRAs (Individual Coverage HRAs)
  • QSEHRAs (Qualified Small Employer HRAs)

Compliance Requirements

  • Marketplace Notice
  • HIPAA Notice
  • COBRA
  • State Continuation
  • SBCs
  • ERISA
  • Medicare Part D Notice
  • Medicare Secondary Payer
  • RxDC Reporting
  • Employer Reporting
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