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Seattle Rolls Out New Commuter Benefit for 2020
Seattle Rolls Out New Commuter Benefit for 2020

Beginning January 1, 2020, Seattle employers with 20 or more employees must offer pre-tax commuter benefits for transit, parking and vanpooling expenses. This will allow all eligible employees to set aside pre-tax dollars for certain work-related commuting expenses.
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THE RISKS AND REWARDS OF HEALTH SHARING MINISTRIES
THE RISKS AND REWARDS OF HEALTH SHARING MINISTRIES

With the cost of healthcare premiums still on the rise year after year, many Americans find themselves searching for new ways to stretch their dollars and save on healthcare.  If you have been researching options to loosen your budget, you may have discovered Health Sharing Ministries and wondered exactly what they are, how they work and if they could be your answer to saving on the skyrocketing costs of premiums, deductibles and co-insurance.   
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WHEN IT COMES TO MEDICARE, WHO PAYS FIRST?
WHEN IT COMES TO MEDICARE, WHO PAYS FIRST?

Understanding Medicare typically isn’t a hot bucket list item, and for good reason – it’s complex, lengthy and dry. Trying to make sense of Medicare laws can be overwhelming for both individuals and businesses. When an employee or dependent is enrolled in a group plan and Medicare, the rules for who is responsible to cover that individual’s medical bills first can be confusing. We’ve laid out a few scenarios to make it a little easier to understand when the employer’s group plan is responsible for paying first and when Medicare takes on the role of primary payor. 
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CAN I GET A SHORT-TERM MEDICAL PLAN?
CAN I GET A SHORT-TERM MEDICAL PLAN?

Now that Open Enrollment for 2019 has wrapped up, many Washington State consumers may have been expecting to enroll in short-term medical plans to fill coverage gaps. Washington state regulators have implemented new rules for short-term medical plans that will take effect this month.  Due to these new regulations, short term medical plans (STMPs) will not be available for purchase in the Washington State market.
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OPEN ENROLLMENT HAS ENDED.  NOW WHAT?
OPEN ENROLLMENT HAS ENDED. NOW WHAT?

Now that the Open Enrollment window has closed for 2019, you may be wondering what your options are, if any, for enrolling in health benefits for the year.  While there are no extensions to Open Enrollment for latecomers, if you have experienced certain qualifying events leaving you in need of healthcare, you may be eligible for a Special Enrollment Period. 
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2019 BENEFIT LIMITS YOU NEED TO KNOW
2019 BENEFIT LIMITS YOU NEED TO KNOW

The IRS has changed the annual contribution limits on many tax-free benefit accounts available for enrollment for 2019.  Make sure you know the contribution limits for your accounts this coming year and that you take full advantage of the benefit accounts offered by your employer in order to save on your taxes. 
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2019 HEALTHCARE PREMIUM RELIEF
2019 HEALTHCARE PREMIUM RELIEF

Since the Affordable Care Act began requiring people in purchase health insurance in 2014, many have been searching for ways to make their healthcare premiums more affordable.  Shoppers who purchase healthcare coverage through the Marketplace may be eligible to receive the premium tax credit.  Find out if your income makes you eligible to receive a subsidy on your Marketplace plan or to enroll in Medicaid coverage.
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COBRA & MEDICARE: DO THEY WORK TOGETHER?
COBRA & MEDICARE: DO THEY WORK TOGETHER?

COBRA  provides temporary continuation of health benefits at group rates for qualifying individuals and their dependents if coverage is lost based on a specific qualifying event. If you qualify for Medicare coverage based on age and are also eligible for COBRA, whether you can have both COBRA and Medicare coverage will depend on which coverage you have first.
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Making Sense of Medicare Enrollment Periods
Making Sense of Medicare Enrollment Periods

There are five different Medicare enrollment periods that allow you to enroll in the various parts of coverage each year.  It can feel confusing to understand and keep track of all of them, especially if Medicare is new to you.  You can only enroll during certain dates each year, so it is important to be aware of all of the different enrollment periods to ensure you don't miss one.
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5 Things You Should Know Before Open Enrollment
5 Things You Should Know Before Open Enrollment

Open Enrollment has a significantly shorter window for choosing plans this year than in prior years. Here are 5 things you need to know before Open Enrollment begins to help you make the best decision for you and your family.
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