The state retirement programs, explained.

Why this matters for healthcare practices...

State retirement mandates are expanding quickly, and healthcare practices are starting to feel the impact. With every state setting its own rules, deadlines, penalties, and exemption criteria, it’s easy to miss a requirement until you’re facing a noncompliance notice.

This guide helps you understand which states require action now, what deadlines apply based on your team size, how penalties stack up, and which options (including a qualifying 401(k)) keep your practice compliant without slowing down operations.

In short: it’s everything you need to stay ahead of changing laws and avoid expensive surprises.

What's inside the guide:

• A state-by-state overview of active. proposed, and stalled programs 
• Key requirements: deadlines. eligibility, and penalties
• Why states are passing retirement laws in the first place
• What state IRAs offer, and what they don't
• How a 401(k) compares when fulfilling a mandate
• Insights from Gusto/Guideline to help you stay compliant with less manual work 

HR for Health + Gusto 401(k)

HR for Health and Gusto 401(k) are partnered to achieve a simple goal: make compliance and payroll easier for our users.

With HRFH + Gusto 401(k), you get:

• Seamless payroll + retirement plan integrations
• Automated deductions and fewer manual updates
• Healthcare-specific HR guidance
• Support that makes staying compliant feel… doable

Thinking about switching? Let's make it easy.

If you’re already payroll-curious, it might be time for an upgrade.

HR for Health Payroll is built for healthcare and dental teams, and it’s here to make your life easier. Sync timekeeping and PTO, avoid compliance errors, and manage HR and payroll in one place. Everything works together, from payroll to 401(k) to health insurance, so you can finally drop the mental gymnastics.