Last week, the Internal Revenue Service (IRS), Department of Labor (DOL) and Department of Health and Human Services (HHS) jointly issued a long-awaited interim guideline clarifying several important items within the Patient Protection and Affordable Care Act (PPACA).

Penalties, deadlines, maximum deductible requirements. These healthcare reform provisions are enough to make a business owner bury their heads in the sand until these provisions kick in come 2014.

Just how long can you ask new employees to wait before enrolling in your benefits plan? 

By now you’ve most likely heard about the one-year delay of the Employer Mandate provision of the ACA until 2015. 

Many of our clients have Health Reimbursement Arrangements (HRAs) that help them structure a more creative benefit plan for their employees, often achieving significant savings.