Most Requested Information

A collection of frequently used information about health insurance laws, requirements and notices. 

library books

Employee Benefits

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

Employer Responsibility Under ACA  Penalties  (Flowchart)

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

Employer's Guide to ACA Affordability Safe Harbors  American Fidelity

Controlled and Affiliated Service Groups -

The Difference Between NAICS and SIC Codes:

HIPAA, COVID-19 Vaccination, and the Workplace

Employer Health Care Arrangements For Individual Health Insurance

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



ICHRA - A Comprehensive Guide  Take Command Health

Section 105 Plans For Dummies

Section 125 Premium Only Plan Generator  HR Service

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        

COBRA (Groups with 20+ Employees)  About COBRA
Employer Guide - Employer FAQs
Employee Guide - Employee FAQs

COBRA Model Notices:
Model General Notice
Model Election Notice

CONTINUATION Coverage (Groups with <20 Employees):
Oregon - Washington


ERISA Wrap Documents  

ERISA Document Generators  HR Service

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 imageWA State LTC Trust Act | Cares Fund - Delayed Until July 1, 2023 - Employer Responsibilities - Rules

New imageWA State PAL (Partnership Access Lines)


HSA Qualified Plans

New imageCARES Act - TeleHealth and OTC

HSA Basics:   The Quintana Group

How Does a Health Savings Account (HSA) Work?

HSA   IRS Publication 969

Eligible Medical Expenses   IRS Pub 502 

Benefits of an HSA

HSAs and Medicare  Conflicts

Should You Max Out Your HSA Contributions?


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

HSA IRS Guidance and Q & A

HSA Employer Comparable Contributions   Federal Register

The Complete HSA Guidebook - Stephen D. Neeleman, M.D.


Health Savings Accounts

Comparison of HSA Providers  HSA Search

Evaluation and Rankings of HSA Providers  Morningstar   



Apply for Medicare Online

Get Started With Medicare

Get Answers About Medicare

Medicare Benefits

What Does Medicare Cost?

Medicare Enrollment - When to Sign Up

Medicare and You - 2022

Medicare Changes - 2022

Medicare Costs at a Glance

Part A & Part B

The Part D Donut Hole (Coverage Gap)

Original Medicare vs Medicare Advantage

I have Employer Coverage

How Medicare Works with Other Insurance

Getting Medicare When You Retire

Medicare AEP vs OEP

Medigap - When Can I Enroll?

HSAs and Medicare

Who Do I Contact - Medicare or Social Security

VA Benefits and Medicare   Senior Marketing Specialists

7 Things Not Covered By Medicare   AARP

Planning to Travel?

SHIBA (Senior Health Insurance Benefits Assistance)   Oregon

SHIBA (Statewide Health Insurance Benefits Advisors)   Washington

Find a 2022 Medicare Plan


Social Security

Retirement Ready Fact Sheet For Workers Ages 49-60

Do You Know The Basics of Social Security?

Social Security Quiz Answers  Mass Mutual


Individual and Family Coverage

Employer-Sponsored Coverage and Tax Credit 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


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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.