Small business guide to health insurance premiums: tax treatment, ACA rules, ICHRA strategies, compliance, and practical cost-control tips.

Comprehensive guide to pre-tax payroll contributions, compliance, HRAs, and ACA impacts for small businesses and employees.

Learn what forfeiture means in ICHRA/HRA plans, when unused reimbursements revert to employers, and how SimplyHRA tracks deadlines and compliance.

Learn what an FSA is, how pre-tax payroll deductions work, what expenses qualify, and how carryover/grace period rules affect “use-it-or-lose-it.”

A fiduciary must act in employees’ best interest when managing ERISA-covered benefits. Learn duties, risks, and best practices for employers.

The FFM is the federal ACA marketplace on HealthCare.gov where employees enroll in qualified health plans—often alongside ICHRA reimbursements.

The FPL safe harbor is an ACA affordability method using federal poverty guidelines to set a max employee premium for self-only coverage.

An EOB explains how your insurer processed a claim—what was billed, allowed, paid, and what you may owe. It’s not a bill.

Expense documentation is the receipts and proof needed to substantiate HRA/ICHRA reimbursements. Learn what to submit, store, and why it matters.

Excepted benefits are limited coverages like dental, vision, EAPs, and accident plans—often exempt from many ACA rules and used alongside ICHRAs.

An EBHRA reimburses employees tax-free for excepted benefits like dental, vision, COBRA, and certain premiums—alongside a group plan.

Essential Health Benefits are 10 ACA-required coverage categories for individual and small-group plans. Learn what’s included, why it matters, and how EHBs affe

ERISA is the federal law governing many employer benefit plans. Learn SPDs, fiduciary duties, claims rules, and how HRAs/ICHRAs fit.

An EPO plan covers in-network care only (except emergencies), usually without PCP referrals—often cheaper than PPOs and simpler than HMOs.

ESRP is the ACA penalty for employers with 50+ FTEs that don’t offer affordable, minimum-value coverage. Learn triggers, amounts, and avoidance.

The ACA employer mandate requires 50+ FTE employers to offer affordable, minimum-value coverage or face penalties. Learn thresholds, rules, and alternatives.

Employee classes group workers (full-time, part-time, location, etc.) for benefit eligibility and ICHRA allowances. Learn rules, examples, and best practices.

An employee census is a roster of workforce details (ages, status, dependents, etc.) used to set up benefits like ICHRA, estimate costs, and stay compliant.

Eligible expenses are medical costs an HRA/ICHRA can reimburse tax-free (like premiums, copays, Rx). Learn what’s covered, what’s not, and how to verify.