From television stories to articles on Internet and simple word of mouth 
misconceptions and lies Muddy water company's small health insurance plans on a regular basis. With due diligence in mind, small businesses are weeding myths and focusing on what is possible for employers and their teams
Here are some facts small business owners need know the reimbursement of health insurance in 2016 .:
Medicare reimbursements are still consistent, if implemented correctly.
There has been a lot of buzz about a change in the Affordable Care Act that will penalize employers who reimburse employees for individual plans non-group health - up to $ 100 per day or $ 36,500 per year. However, Article 105 contribution plans that are structured as collective and consistent plans regulations are fully compliant and offer a tax advantage.
small business employers are able to make tax-free pay refunds through a section 105 pure defined contribution health plan. This type of plan may pay insurance premiums to a certain monthly amount. You can also hear called a health care reimbursement plan (HRP)
pays refunds are different from payroll
As opposed to a deduction payroll - .. the removal of dollars from a paycheck - a refund of payroll is adding dollars a paycheck. When a small company reimburses employees through a section 105 Pure Health Plan Defined Contribution, gross salaries are not affected.
The employer adds the dollars that have been approved for qualified insurance premiums of employees their salary using nontaxable line. It is also called a "more tax-free" or "negative deduction".
Health Plans With insurance costs rising, people are looking for support. High-deductible and higher premiums are the major trends in health insurance. many employers are moving expenses to employees with higher deductibles and surcharges for insurance of a spouse.
In 2015 Employer of the Kaiser Family Survey Foundation, the average deductible for health services workers who have plans with deductibles almost doubled in the past decade, $ 584 in 06 to $ 1,318 in 2015
Many small businesses invite their employees to sign individual medical policies through the insurance market disease within a given health plan contribution with repayments pay.
employees find this value system, like the individual health insurance plans cost 20 percent less than traditional group health insurance, on average. In addition, premium tax credits that are available to eligible employees by the market offer additional savings.
reimbursement levels tailored to individual or family needs.
Small businesses can set reimbursement levels, depending on the family situation or the use of criteria that make the most sense for both employers and employees, who receive monthly allowance which amounts in their checkups.
in collaboration with employees to choose their individual insurance policies in the market, the right size reimbursement levels that are selected at company level provide the optimal customization of health benefits
small businesses see results - and answer ..
health insurance reimbursements provided by the company are a cost effective way to offer health benefits employees of small businesses - at a time when rising costs are a major concern. Employers react, as it is estimated that 60 percent of small businesses adopt individual health insurance solutions and redemption premiums in 2017.
Conclusion
Like costs of health care and insurance policy premiums rising in unison, the Medicare reimbursement under section 105 defined contribution plans have emerged as effective solutions for employers and employees embrace .
What questions do you have about Medicare reimbursements?
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