editor head editor head
Articles by Tracy Hill
Employee Benefits Communication Strategist at Lumity, Inc

Once a year, an employee is asked to make a complicated, high stakes decision that could impact their life, financial wellbeing, and the lives and health of their families. I'm passionate about helping employees understand their health plan options.

While it’s no surprise that the #1 employer benefits challenge is rising healthcare costs, employee benefits education is a strong second. And, the two are related. Not understanding the basics of how a plan works can significantly drive up healthcare costs for your employees. If you o...
Feb 25, 2020
10 Things Your Employees Need to Know about Health Plans
Allowing health plan changes outside of open enrollment without a permitted mid-year election change is risky. Doing so may lead to the following: 1. Cancellation of your group health insurance plan, 2. Disqualification of your cafeteria plan, and/or 3. Opening the door for litigation or claims...
Jan 16, 2020
The Hazards of Making a Health Plan Exception
Once a year, your employees are asked to make a complicated decision--one that could significantly affect their health and finances. And employees are looking to HR for guidance as they make their health plan choices. So, today, I don’t just want to just share open enrollment tips and insig...
Sep 24, 2019
5 Tips and Templates for Open Enrollment
It’s the waning days of 2018, which means it’s an ideal time for HR pros to remind eligible employees about the approaching deadline to contribute to their Health Savings Accounts (HSAs). Plus, there are at least 10 reasons to consider maxing out an HSA. Sending a reminder is especial...
Nov 07, 2018
Reach for the HSA Limit
In my typical role, I talk a lot about the employee experience in general terms. But today, I’m writing a (very) personal story as a mom, not as Lumity’s benefits communication strategist. I'm sharing my experience because I want to show appreciation for the caring and supp...
Oct 04, 2018
What Working for Lumity Means to this Mom
In our previous post about driving Health Savings Account (HSA) adoption, we covered how to mitigate employee risk with your health plan design. In this final post in our series, we’ll focus on employee HSA education. HSA survey respondents who cited a “lack of employee understandin...
Jun 19, 2018
How to Drive HSA Adoption: Educate Employees
Where we last left off in this series, the key takeaway was “money talks”: finding your employer contribution sweet spot incentivizes further employee Health Savings Account (HSA) uptake. But after the right employer contribution is in place, there’s a third step you can take to bo...
May 09, 2018
How to Drive HSA Adoption: Mitigate Employee Risk with Plan Design
In our previous post, we learned the first step to increase Health Savings Account (HSA) adoption is "just get started with an employer contribution.” As you continue to build your HSA adoption momentum, we'll move on to step 2: Step 1: Seed Early Adopters Step 2: Find Your&nb...
Apr 02, 2018
How to Drive HSA Adoption: Find Your Employer Contribution Sweet Spot
We're launching this "How to Drive HSA Adoption" series to share insights derived from Lumity's 2018 State of the HSA Survey. More than 350 professionals in HR and finance responded to our survey, and over 97 professionals participated in our HSA market research calls. Co...
Mar 18, 2018
How to Drive HSA Adoption: Seed Early Adopters