Though health-care costs are on the rise, several consumer-directed health plans available today can help small-business owners and their employees take more control of their health-care dollars.
Consumer-directed plans include health savings accounts, health reimbursement arrangements and flexible spending accounts, and are designed to save employees money by encouraging them to be more involved in the decision-making process about their medical care.
* Health savings accounts
A health savings account is a tax-free savings plan that allows an employee to pay for current health-care costs while saving for future medical expenses. Participants are not penalized for using their HSA funds for qualified medical expenses, and may carry over any unused funds to the next year. Both employers and employees may contribute to an HSA.
* Health reimbursement arrangements
HRAs are employer-funded accounts that reimburse employees for qualified medical expenses. After employees have paid for such expenses out-of-pocket, they submit a claim and are reimbursed from money their employer designates for that purpose.
* Flexible spending accounts
Flexible spending accounts are designed to let employees save pre-tax dollars to use later for co-pays, deductibles and other medical expenses not covered under their main health-insurance plan.
Photo by tdenham .
Commercial Capital Training
Welcome to Commercial Capital Training Group Own Your Own Finance Business By Completing Our Comprehensive Commercial Loan Broker Training Program Commercial Capital Training Group, LLC 90 State St. Suite #1500 Albany, NY 12207 Commercial Capital Training Group has developed a one-of-a-kind commercial loan broker training program that allows you to own a commercial finance company. With […]
e² Young Engineers
If you love children, you are going to love this business! Our programs teach science, technology, engineering and math to children and we have fun! Background: We are e² Young Engineers Young Engineers enrichment programs combine education + entertainment = edutainment. We created a variety of different programs that can be used to teach science, technology, […]
Open A Boutique
I Will Teach you How to Open a Boutique Have you always wanted to share in the excitement of owning your own clothing, accessory, gift, children’s, maternity, bridal or shoe boutique – either online or brick and mortar? Are you crazy about fashion, motivated and do you want to learn what it takes to get […]
Cell Routes USA
We Are Cell Routes USA & we are taking the world by storm!! Are you aware that today, 99% of people ages 14-80 have a cell phone? And what do you need all the time when you have a cell phone?? Accessories!! Our BOLD, BRIGHT & HIGHLY ACCESSIBLE Displays literally sell the product for you. […]
Owner Financing is a Multi-Billion Dollar Untapped Market and it occurs in about 10% of all home sales in the U.S., and it’s growing in popularity every day. Our company has been in business since 1997 and is one of the largest buyers of Owner Financed Real Estate Notes in the country. We have created […]