Tango Health

Why 2021 Is the Most Important Year for the ACA

Tango Health

The Affordable Care Act (ACA) has largely been targeted for changes with little results since 2014. Over the next seven months, there are important events that HR professionals involved in ACA compliance and reporting should watch.

How to Gauge Open Enrollment Success

Tango Health

Are you measuring your open enrollment success? Getting your employees engaged with their benefits is the ultimate milestone. If you’re like most companies, improving your open enrollment performance doesn’t happen overnight.

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Preparing for the California Individual Healthcare Mandate

Tango Health

The California Individual Healthcare Mandate (SB-78), which requires residents to maintain qualifying coverage throughout the year, went into effect January 1, 2020. Many employers are starting to prepare for the first filing deadline of March 30, 2021.

9 Changes That Call for Compassionate HR Communications

Tango Health

Are you reaching out to employees with compassionate HR communications? Recognizing when sensitivity is needed requires HR’s innate emotional intelligence. If you’re inviting employees to volunteer opportunities, there’s little need to spend hours polishing your emails.

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2021 Recruitment Strategies: Work Smarter Not Harder

Hours spent sourcing. Constantly checking different recruiting channels. Sifting through a sea of resumes. There’s no denying that the current hiring landscape is fragmented, complex, and full of frustrations. As you plan for 2021, take a moment to reflect on your current strategies and evaluate how you can work smarter, not harder in the new year. Download our guide where we break down different stages of the recruitment journey—and share several potential paths to hiring success.

IRS Extends 2020 Tax Year 1095-C for One Last Year

Tango Health

The IRS issued Notice 2020-76 on October 2, 2020 which provides extensions and relief on some ACA rules and regulations.

Are Your Employees at Risk for Communication Fatigue?

Tango Health

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.

3 Signs it Might Be Time to Rewrite Your Employee Benefits FAQs

Tango Health

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.

Changes Coming for 2020 1095-C

Tango Health

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.

IRS’ Treasury Inspector General Recommends More Stringent Penalty Assessments

Tango Health

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.

Paycor CFO Survey: The State of American Business in 2021

In Paycor’s latest survey, more than 2,000 Finance and HR leaders told us about their plans for 2021. Download the survey for actionable insights and tips.

California Individual Mandate: Update on Reporting Requirements

Tango Health

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.

ACA Considerations During COVID-19 Outbreak

Tango Health

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. The Families First Coronavirus Response Act mandated that all medical coverage, including those offered by employers, provide COVID-19 testing at zero cost to the patient. This includes co-pays, deductibles, or co-insurance of any kind.

How to Plan for a Virtual Benefits Open Enrollment

Tango Health

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. This makes interactions with employees even more challenging and will require you to determine what education is critical this year and to improve how you track engagement.

Dos and Don’ts for Your Gen Z Communication Strategy

Tango Health

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. But it’s time to begin thinking about Gen Z—especially as a number of Gen Zers are in their twenties. One day, your organization will have many Gen Z employees.

9 Warning Signs Your Employees Need Language Training

Most global companies are diverse in perspectives, backgrounds, and yes, language. Language barriers can compound existing communication problems, often resulting in business losses. Learn the 9 warning signs your employees need language training today!

Shifting Employee Benefits Priorities Due to COVID-19

Tango Health

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. Stress is high, tendencies to engage in unhealthy behaviors or substance abuse are likely to be magnified and avoidance of medical care can create serious risks.

Benefits Considerations You Need to Know When Mass Hiring During COVID-19

Tango Health

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.

Boost Low Employee Engagement with Your Benefits Programs

Tango Health

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?

Top ACA Stories You Should Follow in 2020

Tango Health

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. Below are the top ACA issues we’re tracking and what you need to know: The lawsuit challenging the ACA’s constitutionality.

The Pro’s Guide To Getting The Best ROI From Your New LMS

You need a Learning Management System when your courses and training programs need to be accessible online. Quickly build the perfect business case and easily determine which LMS will provide the best return on investment you need with this how-to eBook!

How and When to Calculate Benefits Decision Support ROI

Tango Health

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.

California Individual Mandate Signed into Law

Tango Health

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%

4 Reasons to Focus on Employee Financial Wellness for a Healthy Retirement

Tango Health

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.

What You Need to Know: Hiring Interns & Other ACA Seasonal Employees

Tango Health

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.

Use Chaos to Build a Stronger Organization

Speaker: Stacey Harris, Chief Research Officer & Managing Partner at Sapient Insights Group

As we look to tomorrow, it is time to ask ourselves what lessons have we learned and how do we create flexible organizations that can survive what the future holds. Stacey Harris, Chief Research Officer for Sapient Insights Group, will share insights, data, and tools that are helping organizations adapt and even thrive in this difficult environment. She’ll discuss the emerging trends in the Learning technology market, and how these exciting new approaches to creating micro, adaptive, and personalized content is changing the face of workforce development while creating strong connections to business outcomes.

Do Your Employees Know They Can Use an HSA for Retirement?

Tango Health

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.” As a benefits professional, you might thoroughly understand the advantages of using an HSA for retirement. But are your employees aware of the perks?

15 Reasons to Invest in Health Plan Decision Support Now

Tango Health

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?

New Jersey Individual Mandate: Update on Reporting Requirements

Tango Health

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.

Understanding your HSA Qualified Expenses

Tango Health

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? An HSA is a personal bank account, paired with your high deductible health plan (HDHP), to help you manage your health expenses and receive tax savings on anything that’s medical, dental, or vision related. Consider it a 25% coupon off qualified expenses, once you know what these HSA qualified expenses are.

The Best Sales Forecasting Models for Weathering Your Goals

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!

How to Keep Up with ACA News

Tango Health

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. I work closely with our clients to understand their challenges and learn about any new developments. In addition, my team keeps me up to date on news.

How Do You Choose the Right Health Plan Decision Support Tool?

Tango Health

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. Before working with our clients, we’ve seen up to 80% of their employees pick the wrong plan for their needs—often spending too much money. I’ve been there. With work, family and shuttling kids around, spending time thoroughly researching my health plan choices was never at the top of my to-do list.

What Constitutes “Affordable” for Employees Under the ACA?

Tango Health

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. This is so employers can ensure the health plans they offer to employees meet the criteria for ACA affordability, thus avoiding penalties and audits.

How Controlled Group Rules Under ACA Impact Smaller Employers

Tango Health

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. The entire “controlled group” is considered a single employer for purposes of determining whether the 50-employee threshold is met.

Free Webinar: How To Create A 100% Virtual Onboarding Experience

Speaker: David Secunda, CEO, WorkBright

Are you struggling with virtual onboarding? Whether you are making the switch to remote work or biding your time until you can get back to the office – you need a solution that works. Check out our webinar on November 12th at 1 PM E.T. for more information.

6 Healthcare Travel Tips to Share with Your Employees

Tango Health

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.

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7 Proven Incentives to Increase Employee Survey Participation

Tango Health

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.

Improve Your HSA Education When You Tackle These 6 Myths

Tango Health

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.

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10 Tips for Requesting a Benefits Decision Support Budget

Tango Health

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?

Benefits benchmarking data for better employee and organizational wellbeing

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.