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

New imageNew For 2020 - WA - Surprise/Balance Billing Protection  WA Dept of Ins

OR - Effective 3/1/2018 - Surprise/Balance Billing Protection

New imageUpcoming For 2022 - OR - Balance Billing Prohibited For Health Care Facility Services

Definition of a Small Employer:
Oregon   Washington

Determining if an Employer is an Applicable Large Employer

What Happens When a Small Employer Grows Into an ALE  Leavitt Group

Controlled and Affiliated Service Groups

New imageNew For 2020 - Individual Coverage Health Reimbursement Arrangement (ICHRA)

Employer Health Care Arrangements For Individual Health Insurance

Side-by-Side:  Group Coverage - ICHRA - QSEHRA



ICHRA - A Comprehensive Guide  Take Command Health

Employer Responsibility Under ACA  Penalties  (Flowchart)

ACA Affordability Safe Harbor Tests 
Calculator - Estimator - Provisions - Regulations - Q&A

Employment Laws Assistance For Small Businesses and Workers

Nondiscrimination Rules For Group Health Plans (Enforcement paused pending regulatory guidance)

SHOP Small Business Tax Credit

ACA Tax Provisions For Employers

Tax Treatment of Common Fringe Benefits

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)
Disclosure Guidance and Information
Model Notices
Instructions Slide Deck        

Employer Guide - Employer FAQs
Employee Guide - Employee FAQs

COBRA Model Notices:
Model General Notice
Model Election Notice


ERISA Wrap Documents -  

Family and Medical Leave Act:
State Family and Medical Leave Laws
Paid Sick Leave vs FMLA vs Paid Family Medical Leave

FMLA Employer Guide

OFLA  Oregon Family Leave Act   Federal vs Oregon

PFML  Washington Paid Family Leave Act

OSHA State Plans  FAQs

Social Security  What Every Woman Should Know 

Social Security  Retirement Estimator Calculator


New imageNew for 2020 - CARES Act - TeleHealth and OTC

How Does a Health Savings Account (HSA) Work?

HSA  IRS Publication 969Eligible Medical Expenses Publication 503  

HSA IRS Guidance and Q & A

HSA Employer Comparable Contributions  Federal Register

HSAs and Medicare  Conflicts

The Complete HSA Guidebook  Stephen D. Neeleman, M.D., HealthEquity, 2018

Do This With Your HSA Right Now  Jeff Rose, Forbes 2019

7 Ways to Maximize the Benefits of HSAs   Bob Carlson, Forbes 2020

Health Savings Accounts

Comparison of HSA Providers  HSA Search

Evaluation and Rankings of HSA Providers  Morningstar


Medicare Benefits

Medicare And You   2020

Part A & Part B

The Part D Donut Hole (Coverage Gap)

Creditable Drug Coverage

Medicare Costs at a Glance

Get Started with Medicare

Medicare Enrollment - When to Sign Up

I have Employer Coverage

Who Pays First?

How Medicare Works with Other Insurance

HSAs and Medicare

Who Do I Contact - Medicare or Social Security

Apply for Medicare Online

VA Benefits and Medicare - Asking the Right Questions

7 Procedures Not Covered By Medicare - AARP


How Employer-Sponsored Coverage Affects  APTC Eligibility

eLAWS Interactive Health Benefits Advisor

Short Term Health Insurance  Oregon - Washington


Donna Quintana, RHU
Employee Benefits and Health Insurance Specialist

Shane Quintana, LUTCF
Business and Estate Planning Specialist


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.