Personalized health benefits blog

Expert insights on health benefits for your small or midsized business.

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Health Insurance

What is guaranteed issue in health insurance?

Learn what guaranteed-issue means in health insurance. Discover how it ensures coverage regardless of health status or pre-existing conditions.

Health Insurance

What is an annual out-of-pocket maximum?

Learn what an annual out-of-pocket maximum is, how it limits your healthcare costs, and what expenses count toward this insurance cap.

Health Benefits

What is reference-based pricing (RBP)?

Learn what reference-based pricing (RBP) is and how it helps control healthcare costs by setting payment limits for medical services and procedures.

Health Benefits

What is actuarial value?

Learn what actuarial value is and how it measures the percentage of healthcare costs a plan covers. Understand its role in health insurance choices.

Health Benefits

Why do employers offer health insurance?

Learn why employers offer health insurance and how it boosts recruitment, retention, and employee satisfaction while supporting overall well-being.

Health Benefits

What is minimum essential coverage (MEC)?

Learn what Minimum Essential Coverage (MEC) is, why it’s important under the ACA, and how it ensures compliance with health insurance requirements.

Health Benefits

What is a stop-loss insurance laser?

Learn what a stop-loss insurance laser is, how it affects self-funded health plans, and what it means for high-risk employees and employer costs.

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