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Article Library

HSAs the Way You Want Them

HSAs (Health Savings Accounts) are an option to enhance awareness and consumerism of health care costs. They usually work best for those who understand that they have the power to seek out the information they need to be a good consumer of their own health care.

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The Value of Tax-Free

It's that wonderful time of year when the weather gets warmer, the grass gets greener, and we have the pleasure of filing our taxes.  Tax season doesn’t have to be dreaded.  How does a little bit of tax savings sound?  More specifically, the 20 - 25% tax savings on your health benefit plan.  Whether it’s a Flexible Benefit/Cafeteria Plan (Section 125), Health Reimbursement Arrangement (Section 105), or Health Savings Account (Section 223), all three have tax-saving advantages.

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Interview with a Benefits Enrollment Specialist

In the world of employee benefits, online enrollment is becoming the new norm. Research from a variety of sources has shown a significant shift in how employees are interacting with their benefit programs. Employees want a simple, easy to use yet dynamic way to better comprehend and consider their insurance options. Online enrollment systems seem to be a logical solution.

We interviewed Kathy Ihle, Benefits Enrollment Specialist at Freedom Services, to better understand online enrollment and benefit management systems as a whole.

Read more: Interview with a Benefits Enrollment Specialist

Health Flexible Spending Account Changes for 2013

Starting in 2013, employees' contributions to their Health FSA will be limited to a maximum of $2,500. The Dependent Care maximum remains at $5,000. Many companies have allowed their employees to contribute much more to their Health FSA in the past. So why the change? The new health care requirements are bringing in more expanded, affordable coverage, so the assumption is that employees would have less need for flexible spending accounts. Also, by limiting this tax break, the revenue the government may get will help the nation’s current health care overhaul.

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Answers to your HSA Questions

Health Savings Accounts (HSAs) have been available since 2004, but they seem to be a relatively unknown concept to the health care marketplace. Because so much confusion still remains surrounding HSAs, we have provided a review of how HSAs work.

Read more: Answers to your HSA Questions

Top 3 Plan Design Choices

As a full service administrator, Freedom Services offers a variety of plan design options to meet diverse client needs. Our broker interaction reveals the current trends in healthcare. Defined Contribution, Health Reimbursement Arrangements and our new self-insured plan, Freedom Advantage, have all generated a lot of interest.

Read more: Top 3 Plan Design Choices