Compliance
Can Employers Reimburse Individual Health Insurance Premiums?
Employers can use compliant ICHRA or QSEHRA arrangements to help pay individual premiums. Informal premium reimbursements can create compliance penalties.
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
Group Health Insurance
Texas Claims Data at Renewal: Chapter 1215 and HB 2015
Identify the Texas claims-reporting authority, funding arrangement, privacy conditions, and comparable experience before relying on renewal data.
Compliance
Should Your Business Offer Employee Health Benefits?
Decide whether to offer health benefits by weighing legal obligations, employee access and the long-term cost of a workable program.
Compliance
ACA Controlled Groups: How Related Employers Count Toward ALE Status
Related companies may need to combine their prior-year workforce counts even when each entity has fewer than 50 employees.
Health Insurance
Obamacare Questions: ACA Coverage, Enrollment and Penalties
Understand current ACA coverage protections, Marketplace enrollment and the difference between individual and employer rules.
Compliance
What Is an ERISA Wrap Document? Plan Documents and SPDs Explained
An ERISA wrap document adds employer-level plan terms around underlying benefit contracts. It does not replace the contracts, and a wrap is not automatically a complete SPD.
Compliance
ACA Employer Reporting Guide: Forms 1094 and 1095
Match ACA reporting forms to your employer and plan, then track IRS filing, employee statements, corrections and the on-request furnishing option.
Compliance
ACA Employer Mandate: ALE Status, Affordability and Penalties
Understand the ACA employer mandate, ALE counting, affordability safe harbors and year-specific penalty amounts for 2026 and 2027.
Compliance
Why Provide Disability Insurance? An Employer's Guide
Disability insurance can replace part of an employee's income during a covered absence. Compare short- and long-term coverage, waiting periods and implementation choices.