The Missing Sponsor in Association Health Plans
Independent contractors cannot sponsor an ERISA health plan. The group rate looks cheaper than individual coverage. The missing sponsor shows up later, in a...
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Independent contractors cannot sponsor an ERISA health plan. The group rate looks cheaper than individual coverage. The missing sponsor shows up later, in a...
Every benefits renewal season, someone in HR or finance asks the same question: can we let our 1099 contractors join the group health plan? The answer is...
In 2024, a freelancer with no employees could put $69,000 into a solo 401(k), and the same freelancer could put the same $69,000 into a SEP IRA without...
If you are a solo consultant over 50, you can fund a six-figure retirement contribution in a cash balance plan and still miss the largest unfunded line in...
For an online therapist, a home office deduction shows which side of the benefits system that therapist stands on. Claim it on Schedule C, and the therapist...
A Roth conversion ladder is a tax strategy and a health plan pricing problem. Most guides run the federal income tax brackets and stop there. If you buy...
The same W-2 status that makes a spouse eligible for solo 401(k) contributions is also the status that lets a spouse participate in a Section 125 cafeteria...
Most primary care direct contracting conversations start with the rate card. The CFO asks what a visit costs. The broker asks what the per-employee monthly...
Employer healthcare costs affect dividend payouts and capital expenditure through one channel: operating cash flow. Health benefits sit second only to wages...
Employer healthcare costs don't split neatly by job type. A construction firm, a warehouse operation, and a software company all face rising health spend,...
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