Alternative Benefit Solutions, LLC

01/16/2026

“It’s not the load that breaks you down, it’s the way you carry it.”

01/15/2026

Tax Forms 101: 1095 – Proof of health insurance, required under the Affordable Care Act (ACA). Most taxpayers will no longer receive this form, unless you get your insurance through the Healthcare Marketplace. If you do, you may be entitled to a special premium tax credit. You will need this form to support this deduction.

01/14/2026

Health Insurance 101: A medical loss ratio of 80% indicates that the insurer is using the remaining 20 cents of each premium dollar to pay overhead expenses, such as marketing, profits, salaries, administrative costs, and agent commissions.

01/13/2026

Fast Fact: You can spend FSA funds on prescription medications, as well as over-the-counter medicines with a doctor's prescription. Reimbursements for insulin are allowed without a prescription.

01/12/2026

Unspent HSA funds roll over from year to year. You can hold and add to the tax-free savings to pay for medical care later.

01/09/2026

“Focus on being productive instead of busy.”

01/08/2026

With Health Insurance, Cost Sharing is the share of costs covered by your insurance that you pay out of your own pocket. This term generally includes deductibles, coinsurance, and copayments, or similar charges, but it doesn't include premiums, balance billing amounts for non-network providers, or the cost of non-covered services.

01/07/2026

Fast Fact: MOOP is an acronym standing for “maximum out-of-pocket” costs. The MOOP is the limit on annual out-of-pocket expenditures paid by a health plan enrollee for medical services that are covered by a health insurance plan.

01/06/2026

Retiring in 2026? Retirees need to understand the financial implications of Medicare, IRMAA, Social Security, and tax-efficient withdrawal strategies.

01/05/2026

An Out-of-Network Copayment is a fixed amount (for example, $30) you pay for covered health care services from providers who don't contract with your health insurance or plan. Out-of-network copayments usually are more than in-network copayments.

01/02/2026

Wellness 101: There are many ways to start taking advantage of the brain and memory-boosting benefits of socializing. Volunteer, join a club, make it a point to see friends more often, or reach out over the phone. And if a human isn’t handy, don’t overlook the value of a pet—especially the highly-social dog.

01/01/2026