Large Self-Funded Plan Sponsor

"I trust the advice and rely on the service we get from EmSpring. You should, too."

Randy Bell, CFO
Lynnwood, WA

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Welcome To EmSpring Corporation

EmSpring™ Corporation's employee benefits brokerage services are about helping employers create employee benefit plans that help you attract and keep the best employees. Our clients are small business employers with as few as 20 covered lives, on up to large employers with multiple locations.

We specialize in self-funded medical coverage plans, and helping Washington, Oregon and Idaho employers design ACA-compliant employee benefit plans. If you’re an EmSpring benefits client whose employees have coverage through your fully-insured or self-funded health plan, then you can breathe easily; they have qualifying health coverage.

Do you need more than employee benefits from your benefits advisor? Perfect! We go beyond employee benefits, with an on-staff professional HR consultant to help with everything from employee handbook updates to choosing HR and payroll technology, and an HR HelpDesk to support your HR department. As an EmSpring client, you get exclusive access to an award-winning online HR and benefits resource center with everything from HRCI accredited webinars to training videos and downloadable forms, employee communications and templates. Trying to stay on top of regulations? Our online Compliance tool is easy-to-use and keeps you on track.

If you're a Washington State, Oregon or Idaho employer, let's talk about your employee benefits strategy. As your employee benefits broker-of-record, we'll work with you to design a benefit plan that meets your needs now, and as healthcare coverage reform continues to evolve. Work with us and continue to make a positive statement about your company, with the right benefit plan for your employees.

Latest News

Cafeteria Plans: Mid-year Election Changes

If your cafeteria plan design allows your employees to make election changes during the plan year, what conditions must be met? Participant elections under an Internal Revenue Code (Code) Section 125 cafeteria plan must be made before the first day of the plan year or the date taxable benefits would currently be available, whichever comes first.

PCORI Fees Due by July 31 for Employers Sponsoring HRAs & Other Self-Insured Plans

As a reminder, fees to fund the Patient-Centered Outcomes Research Institute (PCORI) are due no later than July 31 from employers who sponsor certain self-insured health plans, including health reimbursement arrangements (HRAs) that are not treated as excepted benefits.

ACA Premium Tax Credits Available in Both Federal and State-Based Exchanges

The U.S. Supreme Court has ruled that the Affordable Care Act's (ACA) premium tax credits are available to eligible individuals who enroll in qualified health plans through any Health Insurance Exchange (Marketplace), regardless of whether it is a state-based Exchange or a federally-facilitated Exchange.

Health Care Reform: How Employers Should Handle MLR Rebates

Issuers that do not meet the applicable MLR (medical loss ratio) standard must pay rebates to consumers. The next round of rebates is due by Sept. 30, 2015. This Legislative Brief explains how employers should treat any rebates received for group health plans. Employers that expect to receive rebates should review the MLR rebate rules and decide how they will administer the rebates.