Learn the 3 IRS affordability safe harbors—W-2 wages, Rate of Pay, and Federal Poverty Line—and how they affect ACA compliance and tax credits.

Learn the IRS affordability percentage, how it’s calculated using safe harbors, and how ICHRA affordability affects Marketplace premium tax credits.

Learn what a 1099 contractor is, how contractor vs. employee classification affects benefits, and why ICHRA/HRAs generally apply only to W-2 employees.

Learn ACA affordability rules, safe harbors, and how ICHRA affordability affects premium tax credits—plus strategies to stay compliant with SimplyHRA.

Understand APTC, the Marketplace premium subsidy, and how an affordable ICHRA can end eligibility. Rules, examples, and tips from SimplyHRA.

Learn what an administrative period is, how it affects enrollment and coverage start dates, and how it works with ICHRA reimbursements on SimplyHRA.

What the 21st Century Cures Act means for employer benefits: data access, interoperability, mental health, and compliance—explained for SMBs by SimplyHRA.

Learn how the Premium Tax Credit can help small businesses and employees afford health insurance. Discover eligibility and benefits.

A formulary is a health plan’s covered drug list. Learn tiers, open vs closed formularies, and how employees can pick the right plan under ICHRA.

Coinsurance is the percentage you pay after meeting your deductible. Learn how it works, examples, copay vs coinsurance, and out-of-pocket max rules.

Learn how out-of-pocket maximums work in health plans and how they impact small businesses offering ICHRA solutions.

A deductible is what you pay before insurance covers costs. Learn individual vs family deductibles, how it differs from copays/coinsurance, and examples.

Learn how Qualified Small Employer HRAs (QSEHRAs) help small businesses provide tax-free health benefits without the complexity of group plans.

Learn what the ACA requires, when the employer mandate applies, and how ICHRA can help you offer affordable benefits with SimplyHRA.

Learn about Minimum Essential Coverage (MEC) and how it impacts small business health benefits, including ICHRA options.

Learn about Individual Coverage Health Reimbursement Arrangements (ICHRA) and how they offer flexible health benefits for small businesses.