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Small Business Health Benefits | Gusto

Details: Health reimbursements Not ready for traditional health insurance? Qualified health reimbursements¹ are an affordable alternative to insurance. Employees find their own medical plans and get reimbursed for premiums, up to the amount you choose, each month. It’s all managed in Gusto for a low monthly fee. Learn about health reimbursements

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Build the Perfect Health Insurance Plan for Your Employees

Details: Employees say health insurance is the #1 benefit they want from employers. Take care of the team that helps your business grow. Did you know? When your business offers employees a health insurance plan, you can generally write the expense off as a business tax deduction.

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Small Business Health Insurance and Benefits | Gusto

Details: With health reimbursement (QSEHRA), you can contribute to your employees’ health costs in a flexible, lower-cost way. Learn more. 401(k) PREMIUM Learn more. Small group health insurance With over 3500 plans, 100 carriers, and expert support, we can help you craft the right plan for your team and your budget.

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Health Insurance | Gusto Small Business Resources

Details: A high deductible health plan (HDHP) is a health insurance plan that offers lower premiums but higher deductibles than more traditional plans. It’s also the type of plan you need to have if you want to be able to contribute money to an HSA.

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QSEHRA Health Reimbursement Option for Small Employers | Gusto

Details: A qualified small employer health reimbursement arrangement (QSEHRA) is a tax-free¹, federal allowance for small businesses. It allows employers of 1-49 employees to give reimbursements for their health expenses without the paperwork, premium increases, or complexities of small group health insurance.

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Apply for health benefits - Gusto

Details: If you’ve never offered health insurance to your team before, follow these directions to apply. If you already offer benefits but you’d like to integrate them with your Gusto account, click here to transfer your broker of record. Go to the Benefits section.; Click View Quotes on the Health Benefits tile.; Step 1: Get Price Quotes

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Health Savings Account (HSA) - Gusto

Details: A health savings account (HSA) is a tax-advantaged account for people who are enrolled an HSA-eligible high-deductible health plan (HDHP). Money is contributed pre-tax and accumulates each year that you’re enrolled—no expiration. HSAs are used to pay for eligible health expenses, including some dental and vision costs.

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Health Insurance for Part-Time Employees | Gusto

Details: Most health insurance carriers and states require that a minimum percentage of your workforce that is eligible for health insurance actually takes you up on it and uses it. Offering health insurance to part-time employees can affect that minimum participation percentage.

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Gusto Support Center

Details: Manage your company’s health insurance, 401(k), commuter benefits and more. Apply for a new health insurance policy or transfer your broker of record. Also learn how to manage your benefits in the future. Managed by Gusto. 401(k) Start a new 401(k) with Gusto;

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The All-In-One People Platform for Payroll, Benefits, HR

Details: Health benefits, automatic savings, 401(k)s, and more. Hiring and onboarding. Offer letters, checklists, software setup, and more. Time tools. Simple time tracking, time-off requests, and PTO policies. HR experts. Direct access to certified HR professionals and other resources. Gusto Wallet.

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How Do Employer Health Insurance Contributions Work? | Gusto

Details: A Qualified Small Employer Employer Health Reimbursement Arrangement (QSEHRA) is an arrangement in which an employer reimburses an employee for qualified health care expenses. It’s not insurance per se—it’s a reimbursement arrangement —and the good news is that reimbursements are typically tax-free at the federal level.

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General purpose vs. limited purpose health FSA

Details: If your health FSA is managed by Gusto, sign into your Gusto account and navigate to the Benefits tab where you will find details about the type of FSA account you have. Check out this chart for a quick glance at what your FSA will cover: General purpose FSA. Limited purpose FSA.

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The Small Business Guide to Offering Health Insurance | Gusto

Details: Offering health coverage also makes you more competitive when it comes to hiring and retaining employees. According to a 2018 industry study, 46% of surveyed employees said health insurance coverage influenced their decision to work for that company, and 78% said their health insurance coverage impacted their decision to stay in their current job.

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5 Ways to Reduce Health Care Costs as an Employer | Gusto

Details: Health benefits can help you significantly reduce reduce employee turnover—and up your odds that employees will stay. In fact, over half of employees reported that satisfaction with their health plan is a key reason why they decided to stick with their current company.

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Gusto Login

Details: More than 100,000 small businesses and their teams trust Gusto.

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Gusto Benefits: Basic Information

Details: Make sure to pay your health insurance invoices on time, directly to the carrier. Estimate cost: Find out how much benefits will cost for a new hire once their benefits start. Benefits Dashboard: You'll find detailed information about your team’s benefits: deduction amounts, employee & employer contributions, teammates enrolled, and more.

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Valid waiver reasons - Gusto

Details: Health insurance carriers require a minimum percentage of all eligible employees to enroll in the employer-sponsored health benefit plan. If an employee chooses to decline coverage for a valid waiver reason, then he or she is excluded from the total employee count and is not counted against the participation requirement.. Examples of valid waiver reasons accepted by most carriers include:

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What Is the Self-Employed Health Insurance Deduction

Details: In a nutshell, the self-employed health insurance deduction allows eligible self-employed folks to deduct up to 100% of health, dental, and long-term care insurance premiums for themselves and for their spouses, dependents, and non-dependent children under age 27.

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How to Set Up a QSEHRA for Your Small Business | Gusto

Details: If you’ve been searching for health benefit options to offer your employees, you’ve likely come across QSEHRA (Qualified Small Employer Health Reimbursement Arrangement). Also known as a small business HRA, a QSEHRA allows small employers to contribute tax-free to their employees’ qualified medical expenses without offering group health insurance.

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Renewing benefits: Timeline & basic information

Details: In the 2-3 months prior to your renewal date, we'll be working with health carriers to get carrier-specific renewal information that has your new premium rates (which increase annually), plan changes, and anything else that the carriers need us to know about your renewal. During this time, we're at the mercy of the carriers' timeline.

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Can I Have an HRA and an HSA at the Same Time? | Gusto

Details: A high deductible health plan (HDHP) is a health insurance plan that offers lower premiums but higher deductibles than more traditional plans. It’s also the type of plan you need to have if you want to be able to contribute money to an HSA.

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What’s Up with the 90-Day Employer Waiting Period?

Details: Interim health insurance: Short-term insurance plans usually don’t satisfy many of the ACA requirements. However, it can be a good fill gap if neither COBRA or a Marketplace plan are options. Good things come to those who know about the waiting period.

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5 Reasons Why Your Business Should Offer Health Insurance

Details: 2. Health benefits make your employees happy. According to a survey by Glassdoor, employees said health insurance is, by far, the most important benefit they receive from their employer. That’s why employers should offer health insurance as their first company benefit, then add on additional benefits over time.

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An Inside Look at PEOs—A Health Insurance Broker Reveals

Details: Health plan inflexibility PEOs offer a variety of insurance plans. However, they all come from one or two carriers that the PEO selects. Employees and companies don’t have a say in which carriers the PEO partners with and are limited to the plans the PEO has chosen.

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What Is an Individual Coverage HRA (ICHRA)? | Gusto

Details: The ICHRA is an expansion of an earlier policy, called the qualified small employer HRA, or QSEHRA.If you have 50 or fewer employees, QSEHRA lets you reimburse employees for medical expenses without providing group health insurance.

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Payroll Deductions: Pre-Tax Deductions vs. Post - Gusto

Details: Health insurance. Health benefits, like health insurance or FSA or HSA plans, may allow pre-tax deductions. If your employee pays for health insurance through a health plan offered at your company, then those contributions could be pre-tax. Commuter benefits. Some commuter benefits are eligible to be pre-tax deductions, within certain

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Q: What’s San Francisco’s Health Care Security Ordinance

Details: San Francisco’s Health Care Security Ordinance (HCSO) ensures all workers in the city have access to health care benefits.Under this ordinance, employers with at least 20 employees must contribute toward those benefits for eligible employees, but employers can choose exactly how to direct the funds.

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Set up benefits for S-Corp 2% shareholder-employees

Details: For S-Corp or LLC companies, the IRS requires that health insurance premiums paid by the company to employees with a greater than 2% ownership be reported as wages (not pre-tax benefits, and included on their W2s. For more information, review Notice 2008-1 from the IRS. To set up benefits for 2% shareholder employees: Click the People section.

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What Is a Section 125 POP (Premium-Only-Plan)? | Gusto

Details: You still have to offer group health insurance separately. A premium-only plan can include a “cash-in-lieu of benefits” provision for employees who don’t want coverage under the group plan. Employees who are enrolled in another group health plan (like a plan from a spouse or parent) can choose to receive a fixed amount of cash instead.

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Can an Employee Decline Health Insurance? | Gusto

Details: The Affordable Care Act used to require everyone to sign up for a health plan, get an exemption, or wind up with a fine from the IRS. Starting in 2019, that fee no longer applies. However, having health insurance can help protect your employees’ health and financial wellbeing and give them peace of mind.

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What’s the Difference Between Primary and Secondary Health

Details: Primary health insurance is the plan that kicks in first, paying the claim as if it were the only source of health coverage. Then the secondary insurance plan picks up some or all of the cost left over after the primary plan has paid the claim.

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Can My Employees Have Two Health Insurance Plans?

Details: Why would someone want more than one health insurance plan? Allow us to explain a thing (or two). Usually people wonder about multiple health coverage because they’re insured under a spouse’s plan, a Medicare plan, a parent’s plan (if they’re under 26), or have a child who is already covered.

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How Health Insurance Tax Deductions Can Save You Money | Gusto

Details: Employer-provided health insurance premiums for group health plans are tax-exempt. That means it can lower or even completely erase your tax duties. These tax-exempt premiums came about during World War II when companies were trying to evade wage and price controls and have been a part of our health policies ever since.

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How Do I Calculate My Full-Time Equivalent (FTE) Employee

Details: If your company fits the ALE bill, it means you’re required to offer group health insurance under the Affordable Care Act’s employer mandate. Having ALE status also means that you need to send in your 1094-C and 1095-C forms describing the kind of coverage you provided to your team.

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Minimum Essential Coverage (MEC) Requirements | Gusto

Details: Since its passage in 2010, the Affordable Care Act (ACA) has created standards and requirements around health insurance coverage for individuals and for employers. These federally-mandated standards have given rise to what’s known as “minimum essential coverage” (MEC). If you’re an employer who offers—or plans to offer—health benefits to your employees, it’s critical that you

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How Are Small Group Health Insurance Premiums Calculated

Details: For group health coverage, premiums are calculated for each employee who enrolls in the plan (plus the cost to add a spouse and/or dependents, if applicable), and then all of those individual premiums are added together to get the group’s total premium.. That’s the amount that the business has to send to the insurance company each month (or each quarter) to pay for the insurance, though

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Member-Level vs. Composite Rating - Gusto

Details: There are two ways that health insurance carriers determine premiums. The first method is called member-level rating and uses the employee’s personal details to determine price on an individual basis. The second is called composite rating and determines price using individual information at the time the plan is established, averages the price

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How Do I Switch Health Insurance Plans as an Employer? | Gusto

Details: Switching health insurance plans. To switch or not to switch? If you’re reading this article, you’ve probably already decided that that is the question. If you haven’t decided whether to cut ties with your current plan, take a look at this piece on what to look for in a great health insurance plan. Change is hard.

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Difference Between Small Group and Large Group Insurance

Details: Group health insurance comes in two different sizes: small and large. Now, the definitions of the two aren’t so straightforward, as states have different definitions for small group and large group health insurance.

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Small Business Financial Benefits | Gusto

Details: Health benefits, automatic savings, 401(k)s, and more. Hiring and onboarding. Offer letters, checklists, software setup, and more. Time tools. Simple time tracking, time-off requests, and PTO policies. HR experts. Direct access to certified HR professionals and other resources. Gusto Wallet.

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The 4 Health Insurance Tiers Every Small Businesses Needs

Details: Health plans are categorized into four tiers: Bronze, Silver, Gold, and Platinum insurance. This article will explain the difference between the four metal tiers so you can make a more informed choice when offering your team health benefits.

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What Are Minimum Participation Requirements for Health

Details: In this case, only 20 of your employees would be counted as “eligible,” because those are the ones that don’t already have health coverage. So, in order to meet the participation requirements, 70 percent of your 20 employees would need to enroll in your health plan. If we do the math—70 percent of 20 is 14.

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How Much Is Health Insurance in 2018? | Average Health

Details: The average cost of health insurance per employee is $599 a month, found the latest study from the Kaiser Family Foundation.. A slim 17 percent of small business owners believe health insurance is affordable, yet 27 percent still offer it. Why the disparity? Because the employers who offer health insurance know something important—you can have a big say in what your final price will be.

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How Are Group and Individual Health Insurance Different?

Details: Individual: For individual health plans, a person’s income can be a factor in the total cost. There are premium tax credits available on HealthCare.gov for those who make between 100 to 400 percent of the federal poverty line and don’t have access to group health benefits through an employer.

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PPP Loan Forgiveness Application Guide [UPDATED] | Gusto

Details: Employee benefits: This includes employee health insurance, employer contributions to retirement plans, and any state and local payroll taxes paid that you paid. If you’re self-employed, a general partner, or S corp owner-employee, don’t include payments made towards health insurance or retirement plans.

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Can I Offer a Health Insurance Stipend to My Employees

Details: The short answer: Generally, no. It is not compliant to reimburse your employees directly for the cost of their individual health insurance plans. The only way to provide funds for your employees to pay for their own individual health insurance is through a Health Reimbursement Arrangement (HRA – also called a Health Reimbursement Account).

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How Much Does Health Insurance Cost for Employers? | Gusto

Details: Older employees typically have greater health needs than younger employees. In most states, a health plan can cost up to three times more for people who are older. So if your business is comprised mostly of 20-somethings, your group’s health insurance premiums may be much less expensive than a group with mainly employees in their 50s and 60s.

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When an Employee Leaves, What Do I Do About COBRA

Details: COBRA health coverage usually is more expensive than employer-sponsored insurance, because companies most likely pay a chunk of their monthly premium. With COBRA, the opposite is true — participants typically pay their entire premium on their own. COBRA is a good option for any employee who has already met their deductible and anticipate more

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What Are My Affordable Care Act (ACA) Requirements? | Gusto

Details: It mandates how carriers, employers, individuals, and other entities can make health insurance more accessible. For small business owners, the employer mandate is where much of that responsibility lies. The mandate requires companies to offer full and affordable health insurance if they have 50 or more full-time equivalents on staff.

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