Employee Benefits
Employee Turning 65: Medicare Checklist for Texas Employers
Check payer order, Medicare dates, drug notices, HSA deposits and family coverage without choosing Medicare coverage for an employee.
Compliance
Employer health-plan responsibilities depend on details such as workforce size, plan structure and the rule being considered. These compliance articles help Houston and Texas employers frame questions about the ACA, reporting, continuation coverage and benefit-related obligations. Look for explanations of key distinctions and links to official sources rather than assuming every requirement applies to every business. Use the collection to prepare discussions with your benefits advisor and legal or tax professionals about the responsibilities specific to your organization.
29 articles
Broker Strengths
Why Houston Businesses Switch Health Insurance Brokers After Renewal
Renewing the plan does not necessarily end the broker decision. Review service concerns, carrier requirements, and handoff steps before making a change.
Employee Benefits
COBRA and Open Enrollment: A Houston Employer Guide
Separate employer enrollment, Marketplace dates and COBRA deadlines, including the Texas continuation rules that may apply.
Group Health Insurance
How to Audit Group Health Plan Fees and Broker Compensation
Reconcile premiums, administration, stop-loss, pharmacy terms and broker compensation before signing or renewing a group health arrangement.
Compliance
Health Insurance Requirements for Houston Small Businesses
Being below ALE size generally avoids federal employer shared responsibility, not every obligation that comes with sponsoring a plan.
Employee Benefits
FSA Contribution Limits: Employer Planning Guide
Review contribution limits, carryover options and enrollment steps before updating your flexible spending account plan.
Compliance
PCORI Fees: Who Pays, Rates and Form 720 Deadlines
Determine who pays PCORI fees, select the rate by plan-year ending date, count covered lives and prepare Form 720 for the July 31 deadline.
Employee Benefits
Section 125 Cafeteria Plans: Employer Requirements
A cafeteria plan establishes the written framework for eligible employees to choose qualified benefits instead of taxable cash.
Compliance
Questions to Ask Before Choosing a TPA
Use these questions to compare TPA proposals and require written answers about services, funding, data, fees and obligations after termination.