Health Insurance Resources for Employers, Individuals and Families

Use the links below to access frequently used information about employer health insurance laws, requirements and model notices.  Information for HSAs, Medicare and Individual and Family Plans is included at the bottom of the page:


DEFINITION OF A SMALL EMPLOYER:
OREGON    WASHINGTON

OREGON REGULATION:  DETAILED DEFINITION OF AN OREGON SMALL EMPLOYER - Effective 1/1/2018.

DETERMINING IF AN EMPLOYER IS AN APPLICABLE LARGE EMPLOYER (IRS Website)

WHAT HAPPENS WHEN A SMALL EMPLOYER GROWS INTO AN ALE (Leavitt Group)

CONTROLLED AND AFFILIATED SERVICE GROUPS (IRS Website)

MORE ON CONTROLLED GROUPS

EMPLOYER HEALTH CARE ARRANGEMENTS FOR INDIVIDUAL HEALTH INSURANCE
(DOL Website)  You can do that now with a QSEHRA (IRS Website)
20 Things to Know About QSEHRAs

EMPLOYER RESPONSIBILITY UNDER ACA Penalties (Flowchart)

2019 - FPL AFFORDABILITY SAFE HARBOR

EMPLOYER MANDATE COST CALCULATOR
(Can also be used to determine your total number of Full Time Equivalent Employees "FTEs")

EMPLOYER SHARED RESPONSIBILITY ESTIMATOR (IRS Website)

EMPLOYER SHARED RESPONSIBILITY (IRS Website)

EMPLOYER SHARED RESPONSIBILITY (Regulations)

EMPLOYER SHARED RESPONSIBILITY Q&A (IRS Website)

EMPLOYMENT LAWS ASSISTANCE FOR SMALL BUSINESSES AND WORKERS (DOL Website)

NONDISCRIMINATION RULES FOR GROUP HEALTH PLANS (DOL/IRS)
(Update: Compliance is not required pending regulatory guidance)

SMALL BUSINESS HEALTH CARE TAX CREDIT (IRS Website)

TAX PROVISIONS FOR EMPLOYERS (IRS)

TAX TREATMENT OF COMMON FRINGE BENEFITS

LEGAL GUIDANCE FOR GROUP HEALTH PLAN REQUIREMENTS (IRS Website)

IRS BULLETINS - Updates and additional guidance (IRS Website)

PAY OR PLAY - EMPLOYER SHARED RESPONSIBILITY Final Regulations for ALEs (IRS Website)

CERTIFICATION OF CREDITABLE DRUG COVERAGE
(To be completed by employers with Medicare Part D eligible employees, each year within 60 days of the start of the plan year)
CMS User Manual
Disclosure to CMS Form

COBRA (Consolidated Omnibus Budget Reconciliation Act)

COBRA Frequently Asked Questions

COBRA MODEL NOTICES
Model General Notice (DOL)
Model Continuation Election Notice (DOL)

ERISA (Employee Retirement Income Security Act)

ERISA Employer Reporting and Disclosure Guide (DOL)

ERISA - Wrap Document Information  

FAMILY AND MEDICAL LEAVE ACT:
FMLA Employer Guide to the FMLA (DOL)
OFLA (Oregon Family Leave Act)   (Federal vs. Oregon)
WFLA (Washington Family Leave Act) (Federal vs. Washington)
STATE FAMILY AND MEDICAL LEAVE LAWS

HIPAA SPECIAL ENROLLMENT RIGHTS
Model Language (DOL) to be provided at or before the time individuals are offered the opportunity to enroll in the plan

NOTICE ABOUT THE HEALTH INSURANCE MARKETPLACE
(To be provided to all new employees within 14 days of their date of hire)
Model Notice (DOL) for employers who offer health insurance to any employees
Model Notice (DOL) for employers who do not offer health insurance to any employees

NOTICE ABOUT CHIP AND MEDICAID
(To be provided to all employees annually before the start of each plan year)
Model Notice (DOL) for employers who offer health insurance to employees in states with premium assistance

OSHA (OR/WA) FAQs 

SOCIAL SECURITY - What Every Woman Should Know 

SOCIAL SECURITY - Retirement Estimator Calculator

HSA

HSA -- IRS Publication 969

HSA ELIGIBLE MEDICAL EXPENSES -- IRS Website

HSA COMPARABLE CONTRIBUTIONS -- Federal Register - Final Regulations

HSAs and MEDICARE CONFLICTS

THE COMPLETE HSA GUIDEBOOK -- Stephen D. Neeleman, M.D., HealthEquity, 2018

HSAs  -- BASICS AND BENEFITS -- Jeff Rose, Forbes 2019

HEALTH SAVINGS ACCOUNTS

COMPARISON OF HSA PROVIDERS -- HSA Search

EVALUATION AND RANKINGS OF HSA PROVIDERS -- Morningstar

MEDICARE 

Medicare And You - 2019

Enrolling in Medicare Part A and B

Understanding the Order of Medicare Part A and Part B Enrollment

Getting Started with Medicare

I Have Employer Coverage

Coordination of Benefits - Medicare

Medicare and Other Benefits - Who Pays First?

HSAs and MEDICARE

MEDICARE Part A & B Sign Up Periods

Understanding the order of A & B Sign Up Periods

Apply for Medicare On-Line

Medicare Costs at a Glance

INDIVIDUALS:

ACA DEFINITION OF MAGI (Modified Adjusted Gross Income)

INDIVIDUAL REQUIREMENT TO PURCHASE HEALTH INSURANCE Penalties

eLAWS INTERACTIVE HEALTH BENEFITS ADVISOR (DOL Website)

LEARN MORE ABOUT OUR TEAM:

Donna Quintana, RHU
Employee Benefits and Health Insurance Specialist

Shane Quintana, LUTCF
Business and Estate Planning Specialist

LINK DISCLOSURE:

In this section, you may be leaving The Quintana Group website and you will be viewing material from other websites.

The information provided herein has been obtained from sources believed to be reliable.  The Quintana Group makes no representation as to its accuracy or completeness and it should not be relied upon as such.

The Quintana Group accepts no liability for any direct or consequential loss arising from any use of this information or its contents.