Intel recently announced major changes to its benefits package for US-based employees. These changes will have a significant impact on how employees are able to save and invest for retirement, and continues the company’s process of limiting its liability for employee retirement outcomes. Employee Stock Purchase Plan What It Is Intel offers eligible employees the […]
It’s a subject most of us would rather avoid. What if one day you’re no longer able to safely move around, feed yourself, bath yourself, or complete other activities of daily living? What if you find you need care just to live your life? Those who reach a point where they can no longer perform […]
A recent survey of retirees by the Employee Benefit Research Institute and Greenwald & Associates found that half of them had not attempted to calculate their health care expenses in retirement before they retired, and more than 40% said their health care costs are higher than they originally had expected. Years ago, when we built […]
A health savings account (HSA) is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a high deductible health plan (HDHP). You can read about high deductible health plans on this government website. HSAs can be an attractive tool to save money for healthcare expenses later in life, as well as to save […]
Many people are attracted to the tax benefits of health savings accounts (HSA’s) when these accounts are linked to a high deductible health insurance plan. HSA’s offer a triple tax break – contributions are tax-deductible, assets grow tax-free, and qualified distributions are also tax-free. Once an account holder turns 65 the monies in the HSA […]
The state of Oregon has made available consumer cost information on all individual health insurance plans offered through Cover Oregon at the federal healthcare.gov website (the Marketplace) and all individual plans offered in Oregon outside the Marketplace. The data is published in an interactive Excel table. The table does not consider any tax credit or […]
With the open enrollment period for health insurance having just opened, the New York Times has published easy-to-understand answers to some of the most common questions about the Affordable Care Act, aka Obamacare. You can read the entire November 11, 2014 article here.