Expert insights. Personalized for you.
As a Benefits Coach, I’ve seen that more and more employers are offering High Deductible Health Plan (HDHPs) as part of their benefit selections. The HDHP gives employees the options of a lower premium than standard health plans, in addition to the option of opening a Health Savings Account (HSA). In my experience answering people’s questions about HSAs, I’ve found that even though HSAs are fairly common, there are still benefits to the HSA that many people are not aware of. MORE
Have you created a Gen Z communication strategy? We certainly understand if this goal isn’t on your priority list. As open enrollment draws closer, you might be busy finalizing healthcare options or researching how to launch a virtual open enrollment. MORE
This is the first year since 2015 the federal healthcare individual mandate penalty is not in place. Congress passed the Tax Cuts and Jobs Act in December 2017, eliminating the penalty effective January 1, 2019. The law that every individual must have healthcare has not changed, but there is no longer a federal penalty. So far, the absence of the penalty has not caused a large decrease in health insurance participation as predicted. MORE
As the CEO of Tango Health, I’m often asked how I keep track of the everchanging landscape of the Affordable Care Act. Most of my methodology is to regularly review a few critical websites and ACA news outlets and keep my ears open. MORE
Gathering employee data is easy when you’re a 10-person startup: simply hold a team meeting. But what if you’re a company with hundreds—or thousands—of employees? Enter the employee survey. Employee surveys provide an efficient and cost-effective way to learn about employees and get a pulse on how they feel about your company. In addition to freeing up your internal resources, they allow workers to communicate at their convenience. MORE
In some ways, becoming a benefits professional is to become a teacher. From strategizing open enrollment campaigns to planning benefits fairs, you are always educating employees on benefits. Sometimes that means highlighting the advantages of a high deductible health plan (HDHP) or hosting a lunch-and-learn about qualifying for lower insurance premiums with health screenings. And other times, informing your employees involves HSA education. MORE
Deploying a quality decision support software to help employees make better benefits decisions is a financial and time expense for HR teams. Of course, some software takes longer to implement, and costs more, but how can you show the Return on Investment (ROI) for implementing a new tool? We suggest you review metrics before open enrollment begins, in real-time during the event, and after its conclusion to determine benefits decision support ROI. Pre-open enrollment metrics. MORE
From making 401(k) contributions to helping employees open their HSAs , employers play an important role in offering support for employee financial wellness during retirement. But here’s what every benefits professional should know. Research reveals many Americans haven’t followed best practices for financial wellness during retirement. In this article, we’re looking at research that reveals how many individuals don’t stick to common-sense principles. MORE
New Jersey Issues New Guidance on 1094-C and 1095-C Reporting The New Jersey Individual Mandate law went into effect on January 1, 2019. Not only does it require residents to have healthcare, but it also includes a provision requiring employers to file returns electronically for any New Jersey taxpayers. All employers who withhold and submit tax to New Jersey on behalf of their employees will be required to comply. MORE
As a benefits professional, building plans to suit your employees is only part of your job. Most weeks, you probably spend hours thinking through how to help employees understand their benefits and take advantage of the plans you’ve crafted. MORE
Open enrollment season is over but strategizing for the upcoming year has only just begun. And perhaps you’re considering whether to invest in health plan decision support software. Is placing this solution in your 2020 strategy a wise decision? Here are 15 reasons why the answer to that question is yes. Health plan decision support connects employees with the right health plans. Do your employees make plan selections that don’t match their healthcare needs? MORE
Fostering better open enrollment decisions for your employees doesn’t happen on its own. It takes time. It takes resources. And often, it takes benefits decision support software to make it happen. Empowering employees with intelligent technology is an investment…which might mean you’ll need to request a decision support budget from multiple stakeholders before you can implement your open enrollment strategy. Need help getting your proposal funded? MORE
The U.S. Government shutdown continues to dominate the news cycles and is having wide-ranging impacts for employers who are complying with the Affordable Care Act (ACA) employer mandate. Here are some of the top concerns for employers during the shutdown: No Impact to the 1095-C Mailing Deadlines and 1094-C/1095-C Filing Deadline The IRS is holding fast on deadlines for mailing 1095-C tax forms to employees, even though they did approve automatic 30-day extensions on the deadlines late last year. MORE
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How Common Ownership Affects ACA Compliance Requirements Under IRS regulations, employers with less than 50 full-time-equivalent employees (FTEs) that are part of a “controlled group” may be subject to “pay or play” penalties under the Affordable Care Act. MORE
As summer approaches, one trend we start to see is hiring interns & other ACA seasonal employees. Under the Affordable Care Act (ACA) regulations, there are no special exceptions for paid interns. There are exceptions for unpaid interns and students in positions subsidized through the federal work study program or a similar program.) Let’s review a few considerations when determining whether interns will be eligible for benefits. MORE
Furloughs and layoffs continue to be announced in industries specifically battered by the COVID-19 crisis. The latest unemployment numbers are staggering, with 26.5 million new unemployment filings in the past five weeks alone. Airlines, hospitality, restaurants, non-essential retail outlets, and theme parks are shedding employees at record rates. Five industries mass hiring. There are industries experiencing massive hiring, with that comes careful considerations for onboarding employees. MORE
Employees value their health insurance, but when it comes to selecting the best health plans for themselves and their families, they often don’t make the best choice. MORE
While the short-term impacts of COVID-19 are clear, with workforces transitioned to working from home or furloughed with zero scheduled hours for the time being, the long-term effects on your employees’ health and many organizations remain to be seen. MORE
The holiday season is coming and probably one of the last things on your employees’ minds is planning ahead for their healthcare before they begin their travels. This is your opportunity to send out a few reminders to peak their interest in thinking about a few important topics. When traveling for the holidays, or any other time of year, your employees should consider the following healthcare travel tips: 1. Make sure you have your (and your family’s) prescription medicines. MORE
On July 13, 2020, the Internal Revenue Service (IRS) provided a draft that shows changes to the tax forms for 2020. Rest assured Tango is reviewing and preparing to comply with the changes. The 1094-C form that gets transmitted to the IRS and shows the overall compliance for an EIN remains the same. However, there have been several changes to the 1095-C form that gets distributed to employees. MORE
With all that is happening right now with the COVID-19 virus, we thought it would be helpful to think through how it might affect ACA reporting and employer-sponsored plans. Here are some things to consider: Expanded Definition of Minimum Essential Coverage. MORE
The concept of “affordability” for a given item can be unclear and be subject to much interpretation. In the context of the Affordable Care Act (ACA), affordability is defined precisely and numerically. MORE
As summer approaches, one trend we start to see is hiring interns & other ACA seasonal employees. Under the Affordable Care Act (ACA) regulations, there are no special exceptions for paid interns. There are exceptions for unpaid interns and students in positions subsidized through the federal work study program or a similar program.) Let’s review a few considerations when determining whether interns will be eligible for benefits. MORE
Open enrollment is drawing closer…along with the many emails, webinars, and messages organizations use to help employees engage with their benefits. Even if your company keeps things short and carefully avoids spamming employee inboxes , increased communication is unavoidable. MORE
In light of the COVID-19 crisis, you should focus on engagement and orchestrate a personalized, on-demand, and virtual benefits open enrollment experience. More and more employers are embracing expanded work-from-home strategies they will employ long after offices open. MORE
Changes to the Affordable Care Act (ACA) in 2020 will continue to require focused attention by organizations to keep up with changing, eliminated, or new requirements. ACA stories. MORE
As companies evolve their benefits offerings, new programs and vendors are added to support employees’ needs, corporate initiatives, or to make targeted efforts in controlling healthcare spending. HR teams go to great effort to bring in the best vendor to match their company culture, budget, and timelines. Benefits programs like condition management, referral programs, second opinion counseling or Explanation of Benefits management are on the rise. Why is employee engagement low? MORE
The IRS has been issuing penalty notice Letter 226J, which assesses penalties to employers for not complying with the ACA, about 18 months after filing. In the past, most of the issues were caused by uncorrected data issues. MORE
Your Health Savings Account, or HSA, is an incredible benefit and resource for you to use, and is quite simple to utilize. First you need to understand HSA qualified expenses. What is an HSA? MORE
AI in HR The advancement of AI within HR means the challenge of redesigning and reconfiguring the workplace and the approach to how employees select and interact with their benefits. HR leaders need to act now to identify and implement the right AI strategies to enable employees to better interact with, select, and utilize their benefits. The rise of AI in the human marketplace HR Leaders are looking to AI to help transform the workplace. MORE
There are many moving parts that go into preparing for ACA filing. Our suggestion is to keep up with sending ACA data to your vendor and reviewing ACA compliance throughout the year to avoid increasing penalties. Also, by preparing for ACA every month, you won’t have a large pile of work to do in a short period of time. The IRS provides 1095 filing requirements , and we put together our recommended steps to help prepare for ACA filing. MORE
The health savings account (HSA) has been called “ the absolute best retirement account ,” “ the ultimate retirement account ,” and “ [a]n off-label prescription for retirement saving.” As Dana Anspach writes for The Balance , “Where else do you get to contribute tax-deductible dollars and withdraw them tax-free? Nowhere else that I know of.” MORE
The California Governor signed the individual mandate bill AB-414 into law on July 2, 2019. The State had already issued proposed legislation for a comprehensive individual mandate to take effect on January 1, 2020. The legislation will allow up to 850,000 residents to receive financial assistance in paying their premiums, along with state-funded programs to advertise and help residents navigate the marketplace. Californians who do not have insurance coverage will owe a penalty equal to 2.5% MORE
California Issues New Guidance on 1094-C and 1095-C Reporting The California Individual Mandate law went into effect on January 1, 2020. Not only does it require residents to have healthcare, but it also includes a provision requiring employers to file returns electronically for California residents. MORE
Tango Health
AUGUST 26, 2020
Open enrollment is drawing closer…along with the many emails, webinars, and messages organizations use to help employees engage with their benefits. Even if your company keeps things short and carefully avoids spamming employee inboxes , increased communication is unavoidable.
Tango Health
JULY 7, 2020
Have you created a Gen Z communication strategy? We certainly understand if this goal isn’t on your priority list. As open enrollment draws closer, you might be busy finalizing healthcare options or researching how to launch a virtual open enrollment.
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Tango Health
AUGUST 18, 2020
As a benefits professional, building plans to suit your employees is only part of your job. Most weeks, you probably spend hours thinking through how to help employees understand their benefits and take advantage of the plans you’ve crafted.
Tango Health
AUGUST 17, 2020
The IRS has been issuing penalty notice Letter 226J, which assesses penalties to employers for not complying with the ACA, about 18 months after filing. In the past, most of the issues were caused by uncorrected data issues.
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We wanted to know how COVID-19 impacted businesses and their workforces. Did they need government funds? How many workers did they layoff or furlough? Are employees working from home now? How’s team morale? And perhaps most importantly, what are their plans for the future? This guide offers a pretty good idea of how business leaders are feeling, what keeps them up at night, and what approaches they’re taking to solve problems. Download the guide to see all the survey results and where your organization might stand comparatively.
Tango Health
MARCH 25, 2020
With all that is happening right now with the COVID-19 virus, we thought it would be helpful to think through how it might affect ACA reporting and employer-sponsored plans. Here are some things to consider: Expanded Definition of Minimum Essential Coverage.
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Tango Health
APRIL 16, 2020
While the short-term impacts of COVID-19 are clear, with workforces transitioned to working from home or furloughed with zero scheduled hours for the time being, the long-term effects on your employees’ health and many organizations remain to be seen.
Tango Health
JANUARY 29, 2020
Changes to the Affordable Care Act (ACA) in 2020 will continue to require focused attention by organizations to keep up with changing, eliminated, or new requirements. ACA stories.
Tango Health
MAY 4, 2020
California Issues New Guidance on 1094-C and 1095-C Reporting The California Individual Mandate law went into effect on January 1, 2020. Not only does it require residents to have healthcare, but it also includes a provision requiring employers to file returns electronically for California residents.
Tango Health
JULY 30, 2020
On July 13, 2020, the Internal Revenue Service (IRS) provided a draft that shows changes to the tax forms for 2020. Rest assured Tango is reviewing and preparing to comply with the changes. The 1094-C form that gets transmitted to the IRS and shows the overall compliance for an EIN remains the same. However, there have been several changes to the 1095-C form that gets distributed to employees.
Speaker: Trish Uhl, Founder of Owl's Ledge LLC and the Talent & Learning Analytics Leadership Forum
Digital is disrupting every part of an organization's value chain at a record pace, creating a critical need to transform operations and employees' ways of working. Formal training alone can't keep up; it's often too slow, too generic, inconvenient, inefficient, unduly expensive and lacks or lags methods for measuring business-related effectiveness. Trish Uhl show you how to start leveraging Learning Engineering, a multidisciplinary approach that combines modern technology, data analytics, decision science, learning sciences and change management with human-centered engineering design methodologies to ultimately deliver targeted learning outcomes and business results that keep pace with the business and merge learning into the flow of work and lead Digital Adoption.
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Tango Health
APRIL 2, 2020
The health savings account (HSA) has been called “ the absolute best retirement account ,” “ the ultimate retirement account ,” and “ [a]n off-label prescription for retirement saving.” As Dana Anspach writes for The Balance , “Where else do you get to contribute tax-deductible dollars and withdraw them tax-free? Nowhere else that I know of.”
Tango Health
APRIL 23, 2020
Furloughs and layoffs continue to be announced in industries specifically battered by the COVID-19 crisis. The latest unemployment numbers are staggering, with 26.5 million new unemployment filings in the past five weeks alone. Airlines, hospitality, restaurants, non-essential retail outlets, and theme parks are shedding employees at record rates. Five industries mass hiring. There are industries experiencing massive hiring, with that comes careful considerations for onboarding employees.
Tango Health
MAY 15, 2020
As companies evolve their benefits offerings, new programs and vendors are added to support employees’ needs, corporate initiatives, or to make targeted efforts in controlling healthcare spending. HR teams go to great effort to bring in the best vendor to match their company culture, budget, and timelines. Benefits programs like condition management, referral programs, second opinion counseling or Explanation of Benefits management are on the rise. Why is employee engagement low?
Tango Health
JANUARY 27, 2020
Your Health Savings Account, or HSA, is an incredible benefit and resource for you to use, and is quite simple to utilize. First you need to understand HSA qualified expenses. What is an HSA?
Advertiser: ZoomInfo
Every sales forecasting model has a different strength and predictability method. It’s recommended to test out which one is best for your team. This way, you’ll be able to further enhance – and optimize – your newly-developed pipeline. Your future sales forecast? Sunny skies (and success) are just ahead!
Tango Health
MAY 11, 2020
Deploying a quality decision support software to help employees make better benefits decisions is a financial and time expense for HR teams. Of course, some software takes longer to implement, and costs more, but how can you show the Return on Investment (ROI) for implementing a new tool? We suggest you review metrics before open enrollment begins, in real-time during the event, and after its conclusion to determine benefits decision support ROI. Pre-open enrollment metrics.
Tango Health
JANUARY 6, 2020
As the CEO of Tango Health, I’m often asked how I keep track of the everchanging landscape of the Affordable Care Act. Most of my methodology is to regularly review a few critical websites and ACA news outlets and keep my ears open.
Tango Health
DECEMBER 18, 2019
Employees value their health insurance, but when it comes to selecting the best health plans for themselves and their families, they often don’t make the best choice.
Tango Health
DECEMBER 18, 2019
The concept of “affordability” for a given item can be unclear and be subject to much interpretation. In the context of the Affordable Care Act (ACA), affordability is defined precisely and numerically.
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Recognize your strengths and identify opportunities to retain valuable employees, increase employee engagement and achieve organizational goals. See where you stand against trends informed by nearly 4,000 employers and face your future with confidence.
Tango Health
DECEMBER 13, 2019
How Common Ownership Affects ACA Compliance Requirements Under IRS regulations, employers with less than 50 full-time-equivalent employees (FTEs) that are part of a “controlled group” may be subject to “pay or play” penalties under the Affordable Care Act.
Tango Health
JULY 8, 2019
The California Governor signed the individual mandate bill AB-414 into law on July 2, 2019. The State had already issued proposed legislation for a comprehensive individual mandate to take effect on January 1, 2020. The legislation will allow up to 850,000 residents to receive financial assistance in paying their premiums, along with state-funded programs to advertise and help residents navigate the marketplace. Californians who do not have insurance coverage will owe a penalty equal to 2.5%
Tango Health
AUGUST 29, 2019
From making 401(k) contributions to helping employees open their HSAs , employers play an important role in offering support for employee financial wellness during retirement. But here’s what every benefits professional should know. Research reveals many Americans haven’t followed best practices for financial wellness during retirement. In this article, we’re looking at research that reveals how many individuals don’t stick to common-sense principles.
Tango Health
MAY 17, 2019
As summer approaches, one trend we start to see is hiring interns & other ACA seasonal employees. Under the Affordable Care Act (ACA) regulations, there are no special exceptions for paid interns. There are exceptions for unpaid interns and students in positions subsidized through the federal work study program or a similar program.) Let’s review a few considerations when determining whether interns will be eligible for benefits.
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2020’s boldest people leaders are building and living core values along with their employees. Elevating Employee Voice engages an organization’s “collective hearts and habits” to drive transformation at scale. It connects every individual, manager and team in an authentic dialogue to create shared alignment, ownership and trust in the path ahead.
Tango Health
MARCH 16, 2020
Open enrollment season is over but strategizing for the upcoming year has only just begun. And perhaps you’re considering whether to invest in health plan decision support software. Is placing this solution in your 2020 strategy a wise decision? Here are 15 reasons why the answer to that question is yes. Health plan decision support connects employees with the right health plans. Do your employees make plan selections that don’t match their healthcare needs?
Tango Health
JULY 19, 2019
New Jersey Issues New Guidance on 1094-C and 1095-C Reporting The New Jersey Individual Mandate law went into effect on January 1, 2019. Not only does it require residents to have healthcare, but it also includes a provision requiring employers to file returns electronically for any New Jersey taxpayers. All employers who withhold and submit tax to New Jersey on behalf of their employees will be required to comply.
Tango Health
NOVEMBER 26, 2019
The holiday season is coming and probably one of the last things on your employees’ minds is planning ahead for their healthcare before they begin their travels. This is your opportunity to send out a few reminders to peak their interest in thinking about a few important topics. When traveling for the holidays, or any other time of year, your employees should consider the following healthcare travel tips: 1. Make sure you have your (and your family’s) prescription medicines.
Tango Health
OCTOBER 28, 2019
Gathering employee data is easy when you’re a 10-person startup: simply hold a team meeting. But what if you’re a company with hundreds—or thousands—of employees? Enter the employee survey. Employee surveys provide an efficient and cost-effective way to learn about employees and get a pulse on how they feel about your company. In addition to freeing up your internal resources, they allow workers to communicate at their convenience.
Speaker: David Secunda, CEO, WorkBright
Companies are looking to adjust their new hire onboarding to accommodate unique ‘social distancing’ challenges like securely collecting personally identifiable information and understanding new compliance regulations like Form I-9 verification. Join Workbright on Thursday, August 27th, to get a first-hand look at how a 100% remote onboarding process works using their system. They'll cover a few of the new COVID-19 related legislation changes and how they can be easily facilitated with their platform.
Tango Health
OCTOBER 28, 2019
In some ways, becoming a benefits professional is to become a teacher. From strategizing open enrollment campaigns to planning benefits fairs, you are always educating employees on benefits. Sometimes that means highlighting the advantages of a high deductible health plan (HDHP) or hosting a lunch-and-learn about qualifying for lower insurance premiums with health screenings. And other times, informing your employees involves HSA education.
Tango Health
OCTOBER 14, 2019
Fostering better open enrollment decisions for your employees doesn’t happen on its own. It takes time. It takes resources. And often, it takes benefits decision support software to make it happen. Empowering employees with intelligent technology is an investment…which might mean you’ll need to request a decision support budget from multiple stakeholders before you can implement your open enrollment strategy. Need help getting your proposal funded?
Tango Health
OCTOBER 9, 2019
There are many moving parts that go into preparing for ACA filing. Our suggestion is to keep up with sending ACA data to your vendor and reviewing ACA compliance throughout the year to avoid increasing penalties. Also, by preparing for ACA every month, you won’t have a large pile of work to do in a short period of time. The IRS provides 1095 filing requirements , and we put together our recommended steps to help prepare for ACA filing.
Tango Health
JANUARY 20, 2019
The U.S. Government shutdown continues to dominate the news cycles and is having wide-ranging impacts for employers who are complying with the Affordable Care Act (ACA) employer mandate. Here are some of the top concerns for employers during the shutdown: No Impact to the 1095-C Mailing Deadlines and 1094-C/1095-C Filing Deadline The IRS is holding fast on deadlines for mailing 1095-C tax forms to employees, even though they did approve automatic 30-day extensions on the deadlines late last year.
Speaker: Donald Fan, Senior Director of the Global Office of Culture, Diversity & Inclusion at Walmart Inc.
In the digital era, rife with uncertainty and ambiguity, innovation plays an essential role in sustaining organic growth and outperforming the global competition. Research proves time and again, there exists a robust bond between innovation and diversity & inclusion (D&I); our challenge is to help our leaders understand how to plant the seeds of innovation in the fertile D&I garden in order to drive a strategic and competitive advantage from the office and in the digital landscape.
Tango Health
MAY 30, 2019
This is the first year since 2015 the federal healthcare individual mandate penalty is not in place. Congress passed the Tax Cuts and Jobs Act in December 2017, eliminating the penalty effective January 1, 2019. The law that every individual must have healthcare has not changed, but there is no longer a federal penalty. So far, the absence of the penalty has not caused a large decrease in health insurance participation as predicted.
Tango Health
MAY 17, 2019
As summer approaches, one trend we start to see is hiring interns & other ACA seasonal employees. Under the Affordable Care Act (ACA) regulations, there are no special exceptions for paid interns. There are exceptions for unpaid interns and students in positions subsidized through the federal work study program or a similar program.) Let’s review a few considerations when determining whether interns will be eligible for benefits.
Tango Health
MAY 8, 2019
As a Benefits Coach, I’ve seen that more and more employers are offering High Deductible Health Plan (HDHPs) as part of their benefit selections. The HDHP gives employees the options of a lower premium than standard health plans, in addition to the option of opening a Health Savings Account (HSA). In my experience answering people’s questions about HSAs, I’ve found that even though HSAs are fairly common, there are still benefits to the HSA that many people are not aware of.
Tango Health
APRIL 10, 2019
AI in HR The advancement of AI within HR means the challenge of redesigning and reconfiguring the workplace and the approach to how employees select and interact with their benefits. HR leaders need to act now to identify and implement the right AI strategies to enable employees to better interact with, select, and utilize their benefits. The rise of AI in the human marketplace HR Leaders are looking to AI to help transform the workplace.
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As we approach 2019, major shifts in the work environment will continue to affect the ways companies do business. Companies that are looking to attract, engage, and retain top talent should leverage these trends to create workplaces where employees thrive.
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