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Freedom Benefits Online Resources

Q + As

Is a Form 5500 required?
What is a simple cafeteria plan?
What is the difference between a health reimbursement arrangement and a  health reimbursement account?


Retirement planning software free from Department of Labor


Fringe benefits for employees
Tax changes triggered by federal health reform law
Taxation of amounts received through health plans
Taxation of small business health plans
Terms and Definitions used in small business employee benefit plans

Sample Documents

Sample Consumer Driven Health Plan (CDHP) document
Sample Health Reimbursement Arrangement (HRA) plan document

Small business benefit planning articles:

10 tips for replacing health insurance coverage
21 reasons to love health savings accounts
401(k) plan fees checklist
412(i) self-employed pension plans
412(i) pension plan suitability
7 things you should know about short term medical insurance
Accounting problems with small business HRAs
Alternatives to health savings accounts
Another obstacle for health savings accounts, Rev. Rul. 2004-45
Average small group health insurance premiums ranked by state
Consumer driven health plans
Consumer driven health plans for small businesses
Consumer-driven health plans provide an opportunity for opticians
Design tips for consumer driven health plans
Dos and Don'ts of small business health benefit plans
Health Reimbursement Arrangement with Carry-forward benefits
How to calculate IRC 4980D small business excise taxes
Planning a small business 401(k)
Small business health costs declined after 2010
Strategies for reducing small business health insurance costs
Summary of tax issues affecting employer-provided health benefits
Three simple steps to improve 401(k) plan results
Twenty five reasons that small businesses choose health reimbursement arrangements (HRAs)
Validating small business health care claims
When an employer-provided group health plan will not work
Who is your employee?


Schedule a free call with Tony Novak CPA, MBA, MT to ask how your firm can reduce costs and improve employee satisfaction with your benefit options. No fee for initial consultation. web site is independently owned and operated by Tony Novak Certified Public Accountant operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate, consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.