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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

The author is paid for product endorsements and has an ownership or other financial interest in the businesses related to the topics covered.

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Self-administered health plan

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If in doubt, please send a new question or ask for an update.

Q: I want Freedom Benefits to design a Health Reimbursement Arrangement for the pastor of our Church but we will handle the administration ourselves.

A: All of the Freedom Benefits health plans are self-administered meaning that the employer has the responsibility for completing all payroll, claims, tax reporting and DOL requirements. The minimum fee of $150 includes the Plan Adviser's help in handling all of these tasks, but you do not have to use these services if you prefer to do it yourself. The only exception is that the employer should not handle health claims, since this would be illegal and create a potential legal liability. For this reason, health plan issues should always be handled by an independent third party.


More resources:

Consumer Driven Health Plans for Small Businesses