How the structure works, what the law actually says, and the answers to the questions a CPA asks first.
August 31, 2026
No summaries: the exact words of Publication 15, the irrespective test, and both fixed-indemnity memoranda, each linked to its source document, with what they do and do not address.
Read itAugust 31, 2026
The advantages are real and so are the limits. The full list on both sides, who should probably not do this at all, and how to weigh a program whose pros are mostly the employer's and whose cons are mostly the employee's.
Read itAugust 31, 2026
Written so you could hand it to your own advisor and execute without us: the seven steps, the order they must happen in, the traps at each one, and what changes if an administrator carries the work instead.
Read itAugust 29, 2026
The statute underneath every tax-free medical reimbursement: what 105(a), (b) and (h) each do, why Section 105 and Section 125 are not alternatives, and the four things a plan has to get right.
Read itAugust 29, 2026
Why these four are not rivals, what actually separates them on funding and ownership, which pairs can be held together without breaking HSA eligibility, and which one fits which problem.
Read itAugust 28, 2026
Two legitimate acronyms for one instrument, where each comes from, which one to use with your CPA, and the primary sources that settle it.
Read itAugust 28, 2026
The category, not the product: what a MERP is, the requirements every one has to meet, how HRAs, ICHRAs, QSEHRAs, FSAs and HSAs differ, and who actually saves money.
Read itAugust 28, 2026
The categorized list of what qualifies as medical care, what does not, the gray zone that needs a physician's direction, and the three places the deduction rules and plan reimbursement rules genuinely part company.
Read itOctober 10, 2025
A point-by-point answer to the blanket "illegal" opinions, covering the statutes SIMERP runs on, the guidance critics misapply, and the difference between real medical care delivery and the schemes the IRS actually targets.
Read itSeptember 23, 2025
The three sections of the Internal Revenue Code SIMERP runs on, the IRS memorandum that causes most of the confusion, and the specific differences between a compliant program and the arrangements that got companies in trouble.
Read itAugust 19, 2025
What the payroll math looks like for a multi-property gaming operation, how implementation runs across locations, and what dealers and housekeeping actually experience on day one.
Read itThe Savings Assessment takes three minutes. You get an estimate on the spot, and a 20 minute Discovery Call if it looks like a fit. No cost, no obligation.