Health Plans, Cafeteria Plans, Account-Based Plans

Haff & Raggio, PLLC, regularly advises employers and benefits brokers regarding the array of federal and state laws and regulations governing employer-sponsored group health plans, cafeteria plans, and account-based plans.

Haff & Raggio, PLLC, can provide consultation regarding a wide range of issues related to employee leave administration, including:

  • Plan establishment, administration, and termination
  • Eligibility and participant contribution design
  • Preparation and guidance regarding ERISA-required notices and disclosures for plan participants
  • State insurance requirements for fully insured group health plans
  • Administration of COBRA and state continuation coverage
  • Section 125 and Section 105(h) Non-discrimination testing requirements
  • Required reporting and fees, including Form 5500, Forms 1094-B and 1095-B, Forms 1094-C and 1095-C, PCORI, and W-2 Cost of Coverage Reporting
  • Wellness plan compliance with HIPAA, GINA, and ADA
  • HIPAA privacy and security requirements for group health plans
  • Administration of health savings accounts (HSAs), health flexible spending accounts (health FSAs), dependent care account programs (DCAPs), and different health reimbursement arrangements (HRAs), including Qualified Small Employer HRAs (QSEHRAs), Individual Coverage HRAs (ICHRAs), and Excepted Benefit HRAs (EBHRAs)