Lauren Perales

As an HR Advisor at Zenefits, Lauren provides guidance and best practices to companies of all sizes with any HR and compliance questions. In her spare time, she enjoys reading and chasing her three dogs around.

31 articles

How does an employee use FSA, HSA or HRA to pay at a doctor’s office?

Generally, the best way for an employee to use their Flexible Spending Account (FSA), Health Savings Account (HSA), or Health ReimbursementAccount (HRA) account is to have the doctor’s office bill the health insurance company directly. Once the claim has been processed, the employee will receive credit toward the payment of their deductible, and will then […]

If an employee has a dependent on our health insurance, do they get an HSA too?

No, your employee’s dependent isn’t entitled to have their own health savings account (HSA), even if they are covered under your employee’s health insurance. Considerations Your employee is allowed to use their own HSA to submit claims for their dependents. If your employee lists the child as a dependent on their income tax return, then […]

How does a company roll over their HSA and FSA?

Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) have different rollover rules. FSA Rollover Rules For FSA plans, companies can allow their employees to roll over up to $500 to the next year. But this is an optional benefit that companies aren’t obligated to provide. The IRS details in the rollover process, but you’ll […]

Are contributions to HSA considered income?

Employee contributions to Health Savings Accounts are considered taxable income, but contributions from the employer aren’t, in most cases. Limitations There are limits to how much the employee and employer can contribute to the HSA each year. In 2014 for example, for individual high deductible health plan coverage, the employee and employer combined contributions couldn’t […]

What are Qualifying Life Events (QLEs)?

Qualifying life events are occasions that allow employees to enroll in or make changes to existing insurance outside of their annual open enrollment. Proving It Carriers will ask for proof of QLEs when an employee submits an application outside of their company’s open enrollment. For QLEs such as marriage, or childbirth, the employee needs to […]

What factors are involved with ACA compliance?

The Employer Shared Responsibility provisions of the Affordable Care Act (ACA) require Applicable Large Employers (those with 50 or more full-time employees during the previous calendar year) to offer healthcare coverage to eligible employees.

What are forms 1094-C and 1095-C?

In addition to the Affordable Care Act’s (ACA) mandate that employers offer affordable healthcare to their employees, Section 6055 and 6056 of the ACA require Applicable Large Employers (ALEs) to: File forms 1094-C and [1095-C with the IRS Provide written statements to covered employees Forms 1094-C and 1095-C help the IRS enforce the ACA employer […]

What Is COBRA?

COBRA grants the right of a terminated employee, or an employee who has moved to part-time, to remain covered under their employer's company health plan.

How can my employees understand insurance coverage for specific procedures?

Insurance coverage can be confusing. The following guidelines will help you determine service coverage and costs. Look at the Facts Don’t attempt to interpret information provided by insurance carriers if the facts provided don’t directly apply to the circumstance. Be careful of specific circumstantial exceptions. Insurance carriers provide coverage information for the most common services. […]

What are participation rules for carriers?

Insurance carriers often require a threshold number of employees (usually some percentage of the total number of employees) to elect coverage for the group to qualify for insurance. This is called a participation requirement. However, depending on the reason an employee declines coverage, some employees that decline insurance won’t be considered at all when calculating […]