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.

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 05, 2022
The Hazards of Making a Health Plan Exception
It's peak open enrollment season at Lumity, and I wanted to share one of my favorite PowerPoint presentations. It's an employee education deck around spending accounts.  During open enrollment, employees look to HR for benefits election guidance. It's important that you’re...
Nov 10, 2021
Open Enrollment: Employee Spending Account Education
Open enrollment season is upon us! For employers that offer an HSA-eligible plan, we've put together a slideshow you can use to educate your employees about Health Savings Accounts.   Our #1 tip?  It's helpful to explain HSAs like a "health 401(k)"&md...
Oct 20, 2021
Health Savings Accounts 101 Slideshow
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...
Oct 04, 2021
5 Tips and Templates for Open Enrollment
Not understanding the basics of how a plan works can significantly drive up healthcare costs for your employees. If you or a loved one has faced unexpected medical bills, you’ve felt the stress and limbic system response. There are a ton of health insurance gotchas, but I’ve narrowed...
Oct 01, 2021
10 Things Your Employees Need to Know about Health Plans
On May 18, 2021, the IRS issued the COBRA subsidy guidance we’ve all been waiting for. Notice 2021-31 provides guidance on employer tax breaks under the American Rescue Plan Act (ARPA) for continuation health coverage under the Consolidated Omnibus Budget Reconciliation Act of 1985 (...
May 19, 2021
A Review of the New IRS Guidance on COBRA Subsidies
Remote work during a pandemic is an unprecedented situation. As employers extend their work from home plans through the end of 2020 (or beyond), HR teams are seeking ways to support their new remote workforce above and beyond health care, EAPs, and 401(k)s. According to the 2020 Impact of Be...
Jul 15, 2020
Top 10 Remote Employee Perks & Resources
As HR professionals lean in and lead their people through a time of racial reckoning on top of a global pandemic, the urgency for securing funds for Diversity, Equity, & Inclusion (DEI), anti-racist programs, and mental health initiatives is front and center. Yet, this need also c...
Jun 05, 2020
Finding Funds For Diversity, Equity, & Inclusion Initiatives
Last week, benefits compliance attorney Marilyn Monahan presented a webinar on “COBRA in the time of COVID-19.” And one topic came up that deserves more attention regarding employer COBRA subsidies. Layoffs, unfortunately, have become part of the pandemic reality. And, for impacted em...
Apr 13, 2020
Unintended Consequences of Employer COBRA Subsidies
Health insurance carriers are already covering COVID-19 tests, and many are covering telehealth costs associated with COVID-19 screening. These carriers have recently announced they're waiving coronavirus treatment costs. Aetna Waives Coronavirus Treatment Costs Aetna is covering inpatient...
Apr 06, 2020
These Carriers are Waiving COVID-19 Treatment Costs
Today, I reached out to compliance and benefits attorney, Marilyn Monahan, to ask how COVID-19 might interact with leave laws. I’m sharing what I learned with the broader community. Employers should review their sick leave policies to determine whether employees who take time off if they ha...
Mar 09, 2020
Leave Laws & COVID-19
We may be in the 20th year of the “new” millennium, but employee benefits has been left behind in the 20th century. Despite HR tech innovations, the quality of customer service remains lower than almost every other industry. This year, consider these 6 ways to improve your employee benef...
Jan 08, 2020
6 Ways to Improve 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