2025 ACA Pay or Play Penalties Decreasing

Reminder: ACA Reporting Deadlines Approaching

Employers subject to the Affordable Care Act (ACA) reporting under Internal Revenue Code Sections 6055 or 6056 have deadlines in early 2024. Who is subject to ACA reporting? Employers with self-insured health plans and applicable large employers (ALEs) with either fully-insured or self-insured health plans are subject to ACA reporting. …

Lowering Out-O-Pocket Healthcare Costs

Understanding HSAs, HRAs, and FSAs

When preparing for open enrollment, it is important to understand your options. Health Saving Accounts (HSAs), Health Reimbursement Arrangements (HRAs), and Flexible Spending Accounts (FSAs) are often offered in conjunction with a health plan. Knowing the advantages of each can allow for an easier open enrollment process. Health Savings Account …

Creative Benefits, Inc. Awarded Top Employee Benefits Consultant

Creative Benefits, Inc. has received the 2021 “Top Employee Benefits Consultant Award” from Mployer Advisor for the Philadelphia area. Mployer Advisor independently researches each brokerage firm with the goal of providing employers with options based on data.  Brokers were evaluated and selected based on “industry experience, company size, online ratings, and reviews.”  …