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How HRAs Offset Premiums & Deductibles For Group Plans
Posted: August 28, 2022
How HRAs Offset Premiums & Deductibles For Group PlansA health reimbursement arrangement (HRA) can offset premiums and deductibles in a group health insurance plan. These savings are realized when a high-deductible health plan (HDHP) is combined with a Deductible-Gap HRA. Employers can benefit by saving money and reducing overhead with a high deductible, while the effect on employees is offset by the HRA. What Is An HRA? An HRA is an employer-funded account...
How Much Sun Is Too Much Sun?
Posted: August 25, 2022
How Much Sun Is Too Much Sun?It is common knowledge that too much sun exposure is bad for your skin. Most people also know that we need sunlight to make vitamin D, a micronutrient that aids bone growth and absorption of calcium, controls cell growth, regulates immunity, and helps prevent inflammation. Unfortunately, it can be tricky balance between getting the sunshine we need to produce adequate vitamin D and risking overexposure...
How A Traffic Ticket Can Affect Your Life Insurance
Posted: August 22, 2022
How A Traffic Ticket Can Affect Your Life InsuranceNo one is perfect, and most people get a traffic ticket at least one in their lifetimes. But the truth is, your driving record can significantly affect your life insurance. If you have a current life insurance policy and you get a speeding ticket, it will not affect your rates. On the other hand, if you are applying for a new policy or additional coverage,...
What All Can You Use An HSA For?
Posted: August 16, 2022
What All Can You Use An HSA For?Health savings accounts (HSAs) have become extremely popular in the past decade. According to key findings of a Devenir Research study, HSA accounts exceeded 25 million in a recent year, holding $53.8 billion in assets. HSAs are popular with employees enrolled in Qualified High Deductible Health Plans (HDHPs) because they allow them to pay for out-of-pocket healthcare expenses for themselves and their families with tax-free...
Is Coffee Good Or Bad For Your Health?
Posted: August 10, 2022
Is Coffee Good Or Bad For Your Health?A cup of coffee in the morning is a long-established ritual for many of us in America. According to Gallup News, nearly two-thirds of all adults in the U.S. drink at least one cup of coffee a day. Average daily consumption is 2.7 cups, a statistic that has not changed since 1999, despite warnings in the past that coffee may be harmful to your health....