Expert insights on health benefits for your small or midsized business.
Discover the top 3 health benefit options for small businesses with one employee. Learn how to provide affordable and flexible health coverage.
Learn the differences between health and wellness stipends. Discover how each supports employee well-being and boosts workplace satisfaction.
Discover the new ACA wait-time standards for federal Marketplace plans, effective 2025. Learn how they impact patient access to care and compliance...
Learn the difference between plan years and calendar years for health benefits. Understand how each impacts coverage, deductibles, and renewals.
Discover what healthcare consumerism is and how it empowers individuals to make informed decisions about their healthcare spending and choices.
Understanding how your Medicare premiums are calculated can help you plan your healthcare finances. We'll go over what Medicare is and its current...
Learn how ICHRA affects health insurance subsidies. Understand if employees receiving subsidies will be impacted by an employer's ICHRA offering.
Discover strategies to optimize ICHRA contributions. Learn about required employer contributions and how to maximize value for employees and...
Find out if employers are legally obligated to offer health insurance to their employees with this informative guide. Get the facts you need to know!
Learn how to cancel your medical insurance and get tips to help you make smart decisions when changing your healthcare coverage.
Keep track of important HR compliance dates in 2025 with this easy-to-use calendar. Don't let compliance issues catch you off guard.
Learn what employee benefits are and why they matter. Explore different types of benefits that support employee well-being and job satisfaction.
Discover unique employee benefits ideas for all budgets. Learn how to boost retention and morale with creative perks that fit your business needs.
Learn what direct primary care (DPC) is and how it offers affordable, membership-based healthcare services without traditional insurance hassles.
Learn what an administrative services only (ASO) benefit plan is and how it allows businesses to self-fund employee benefits with third-party support.
Learn about the two most common ways to compliantly reimburse employees for their healthcare: taxable stipends and health reimbursement arrangements...
Learn if stipends are taxable and how tax withholdings work for fringe benefits. This guide covers key rules to help employers stay compliant.
Learn the 2025 employee benefit plan contribution limits for HRAs, HSAs, 401(k)s, and more. Stay informed to maximize tax advantages and savings.
Find out if ICHRA is good for employees. Learn how it offers flexibility, choice, and tax-free reimbursements for individual health insurance plans.
Find out if an HRA can be used with Medicaid. Learn how HRA reimbursements work for employees enrolled in Medicaid and what limitations may apply.
Discover 5 key steps to a successful ICHRA setup. Learn how to implement, communicate, and manage your ICHRA to offer flexible health benefits.
Wondering what the 2025 minimum wage rates are? Stay up to date with the minimum wage rates for 2025 by state with this comprehensive guide.
What happens to unused HRA funds at the end of the year? Is it use it or lose it, or do HRA funds roll over year-to-year? Find out in our article!
Learn how the ICHRA special enrollment period (SEP) works. Understand eligibility, key dates, and how employees can enroll in individual health...
Startups may not have the same resources as larger companies, but offering health coverage is still possible. Learn how startups can provide health...
Individual health insurance can be pricey, especially in these top 10 states. See the locations where rates are highest and how you can save on...
Medical loss ratios (MLRs) keep insurance companies from spending your premium dollars unwisely. See how MLRs are calculated and what they mean for...
Learn what an explanation of benefits (EOB) is, how it details your healthcare claims, and what to look for in this important insurance document.
Learn how to set up an HRA for your business. Follow these steps to offer tax-free health reimbursements and provide flexible benefits to your...
Learn about Section 1557 of the ACA, its protections against healthcare discrimination, and how it impacts individuals and healthcare providers.
Our article will guide you through the nuances of public and private health exchanges to help you make the best decision for you and your family.
Let's go over how to switch to a spouse’s policy during and outside open enrollment and what circumstances trigger a special enrollment period.
Discover the key features of HRA administration. Learn what to expect from your provider to ensure smooth setup, compliance, and employee support.
Learn the similarities and differences between direct primary care and concierge medicine, each of their pros and cons, and which is best for you.
Learn the key differences between partnering with a PEO or a broker. Discover which option best suits your business's HR, benefits, and compliance...
Explore health insurance options and benefits packages tailored for vision clinic employees. Learn how to build a comprehensive optometrist benefits...
Learn about QSEHRA and HIPAA privacy requirements. Understand the rules that protect employee health information when offering a QSEHRA.
In this blog, we’ll go over how to cancel your group health insurance coverage during the plan year and your options to enroll in a new policy.
If you’re new to ICHRAs, don’t worry! This blog answers 15 FAQs employers have about ICHRAs to help you understand how it can benefit your employees.
Learn what employer-sponsored health insurance is in this beginner's guide. Discover how it works and the benefits it offers to employees and...
Learn how to offer health insurance to part-time employees. Discover plan options, eligibility requirements, and benefits for your part-time...
Learn what employer-sponsored health insurance is in this beginner's guide. Discover how it works and the benefits it offers to employees and...
Discover the key differences between HSAs and FSAs. Learn how each account works, their benefits, and which one is best for your healthcare savings.
In this article, we’ll discuss the differences between an HDHP and an LDHP and which type of plan will work best for you based on your specific...
This blog goes over the 9/80 work schedule, its pros and cons, and how you can determine if it’s a good option for your business and employees.
Learn about the IRS's decrease in employer mandate penalties for 2025. Understand how ACA penalty changes may impact your business's healthcare...
Compare level-funded vs. self-funded health plans. Learn the key differences in cost, risk, and flexibility to choose the best option for your...
Find out which premiums a QSEHRA can reimburse, including health insurance and more. Learn how employers can offer tax-free reimbursements.
Small businesses offering a QSEHRA must follow specific allowance cap guidelines. For 2025, employers can offer up to $6,350 for self-only employees.
Learn what indirect compensation is and why it’s crucial for recruitment and retention. Discover how benefits beyond salary can attract and retain...
Discover what imputed income is and how it affects your taxable income. Learn how certain non-cash benefits are taxed for employees and employers.
Offboarding employees can be a complex process. But with these seven steps, you can ensure a smooth transition for both the employee and your...
Learn what a Health Reimbursement Arrangement (HRA) is, how it works, and how it benefits both employers and employees in managing healthcare costs.
Explore the different types of employee reimbursements, like travel, healthcare, and more. Learn how reimbursements benefit both employees and...
Employees increasingly desire added benefits and perks over yearly wage increases. But, what's the difference between stipends and salary increases?
Learn the key job satisfaction factors and how to identify the right benefits to boost employee morale, retention, and overall workplace happiness.
Wondering about small businesses and health insurance obligations? This guide explains whether small businesses are required to offer health coverage.
Compare QSEHRA with group health insurance. Learn the differences in cost, flexibility, and benefits to help you choose the best option for your...
Looking for health insurance options in your state? This comprehensive guide provides a state-by-state breakdown of health insurance marketplaces.
Discover which medical expenses are eligible for reimbursement under a QSEHRA. Learn what qualifies and how to maximize your health benefit.
Understand the differences between tax exclusions, deductions, and credits. Learn how each impacts your taxable income and potential savings.
Find out who qualifies for the Individual Coverage HRA (ICHRA). Explore ICHRA eligibility rules and how they benefit both employers and employees.
Get answers to common questions about HRA eligibility. Learn who qualifies and how health reimbursement arrangements work for employers and employees.
Learn what a healthcare benefit allowance is and how it can help employees cover medical expenses. Discover how health allowances work for businesses.
Discover the pros and cons of benefits administration outsourcing. Learn if outsourcing is the right choice for your business to save time and...
Learn what 'out-of-pocket' medical expenses mean and how they impact your healthcare costs. Understand deductibles, copayments, and more.
Get an overview of earned wage access, its pros and cons, and other personalized benefits you can offer to increase employee retention.
Stay on top of important QSEHRA deadlines. Learn which key dates employers and employees need to know to ensure compliance and maximize benefits.
Wondering why there's an 'H' or 'F' next to items on your receipt? Find out how to read the health codes on your receipts and why they're important.
Want to attract top talent and become an employer of choice? Follow these proven strategies to create a workplace that everyone wants to be a part of.
We'll help you understand the metal tiers of health insurance and explain how to determine if you qualify for any subsidies to help cover premium...
Deciding between an HRA and HSA? Get all the information you need to make the right choice for your employees' healthcare needs.
See how premium tax credits can lower health insurance costs. Our guide provides the information you need to navigate this important aspect of...
If you're an applicable large employer, you need an affordable allowance for your individual coverage HRA. See what the IRS considers affordable in...
Curious about catastrophic health insurance? Find out how these plans work and if they're the right fit for your healthcare needs in this helpful...
Planning your HSA contributions for 2025? Find out the new limits and maximize your savings with this comprehensive overview.
Learn what the Small Business Options Program (SHOP) Marketplace is and how it provides affordable health insurance options for small businesses.
Discover 5 practical tips on how to make employees happy. Boost morale, increase productivity, and create a positive workplace culture.
Are you struggling to attract Gen Z employees? This guide offers valuable insights and techniques to help you successfully appeal to the younger...
Understanding coinsurance is essential for managing your healthcare expenses. Learn everything you need to know about coinsurance in this helpful...
Explore the history of Health Reimbursement Arrangements (HRAs) and learn when HRAs were created and how they've evolved over the years.
Get a full list of qualifying life events that open a special enrollment period through the ACA, and learn how to submit the right documents to...
Learn what a Physician Hospital Organization (PHO) is and how it operates to improve healthcare coordination between hospitals and physicians.
Find out if the Individual Coverage HRA (ICHRA) satisfies the employer mandate. Understand how ICHRA can help businesses meet health coverage...
Understanding taxes for remote workers can be confusing. This comprehensive guide simplifies the process and answers all your questions.
Gift cards are a simple way to give your employees a token of appreciation, whether as a present or an employee reward. But, is there tax on gift...
Learn the pros and cons of the most common types of health insurance plans, such as PPOs, HMOs, HSA-qualified plans, indemnity plans, and...
Just because your organization is small doesn't mean you can't offer quality benefits. Here are some examples of common benefits that employees love.
Learn how to choose an insurance broker with these essential tips. Find a trusted expert to guide you in selecting the best health insurance plan.
Your guide to open enrollment for health insurance in 2025. Learn key dates, eligibility, and how to choose the right plan for individuals and...
Wondering why healthcare is becoming more and more expensive? Find out the top nine factors contributing to the rising costs in this informative...
Here are eight tips employers and human resources managers can leverage to ensure an open and honest line of communication with their employees.
Discover the ins and outs of health insurance subsidies with this comprehensive overview. Learn how they can help make healthcare more affordable for...
Ready to launch a QSEHRA plan for your employees? Follow these 5 simple steps for a successful implementation and ensure compliance!
For brokers, preparing for open enrollment starts early. Our blog will cover why early preparation is important and post-open enrollment...
Stay compliant with QSEHRA rules by familiarizing yourself with the requirements in this beginner-friendly guide. Start simplifying your healthcare...
Writing an effective job description is key to attracting the right candidates. Discover the best strategies for creating job descriptions that get...
Learn about third-party administrators (TPAs)—what they do, how much they cost, and an alternative to TPAs so you can administer your own health...
Did your state extend the annual open enrollment period? Find out in this comprehensive guide detailing the extended open enrollment periods across...
Is your team lacking enthusiasm? Don't worry; we've got you! Implement these effective strategies to reignite passion and drive among your employees.
In this blog, we'll take a comprehensive look at section 125 plans to help you better understand how they work for employers and employees.
Providing health insurance for remote workers doesn't have to be complicated. Discover the key steps and considerations in this helpful guide.
Applying for Obamacare is easier than you think. This comprehensive guide will walk you through the necessary steps to apply for individual health...
Knowing the difference between exempt and non-exempt employees is crucial for both employers and employees. Learn the key distinctions in this blog...
Wondering if health insurance costs are tax-deductible? Find out the answer to this common question in this blog post.
What is an ICHRA, and how does it work? Find out everything you need to know about this innovative healthcare option: the individual coverage HRA.
Looking for information on QSEHRAs? This guide provides a clear understanding of qualified small employer health reimbursement arrangements (QSEHRAs).
Open enrollment season is approaching, and it's important to be prepared. Discover what you need to know before open enrollment with this helpful...
Are you wondering if a high deductible health plan is worth it? Find out how to maximize the benefits of an HDHP with this helpful guide!
Learn about EEO-1 reporting and why it's essential for companies to submit accurate data. See how to navigate the reporting process effectively.
Discover the benefits of enrolling in a health insurance plan through the Health Insurance Marketplace. Learn what it is and how it can benefit you.
Does an HRA rollover? Learn everything you need to know about whether your HRA funds can roll over to the next year.
Wondering how much dental insurance will set you back? Find out the average cost of dental insurance and what factors can impact the price.
Building a positive workplace culture is key to employee satisfaction and company success. Discover practical tips in this blog post.
Struggling to juggle work and personal life? Discover effective strategies to maintain a healthy work-life balance with this blog post.
Unsure about which HRA is best for your client? This guide breaks down the different HRA options to help you make an informed decision.
Interested in setting up ICHRA employee classes for your company? Find out all you need to know about structuring them effectively.
Confused about ACOs and how they work? This article breaks down the basics of what an accountable care organization is and how it benefits patients...
Multinational companies face unique challenges with offering employee benefits. Learn how to build a quality international benefits package.
PPO plans offer flexibility and cost savings. But what exactly is it? Find out the pros and cons of PPO insurance in this informative guide.
If you have employees that are on Medicare and participating in an HRA, you need to make sure you're coordinating and reporting the two benefits...
Learn about the healthcare reimbursement models available for small businesses and find the best fit for your budget and employee needs.
Find out how medical debt can impact your credit score and what steps you can take to protect your financial health in this informative article.
Looking to attract gig workers to your business? Discover effective strategies for hiring and retaining talent in the gig economy with this guide.
Is a QSEHRA the right choice for your company's healthcare benefits? Find out the advantages and disadvantages of this option in our comprehensive...
This blog walks you through the key differences between gross and net pay, how to calculate each correctly, and how they impact certain employee...
Wondering if you're eligible for an ICHRA as a business owner? This infographic breaks down the requirements to help you determine your ICHRA...
Restaurant workers deserve access to affordable health insurance. Learn about the options available for those in the food service industry, like HRAs.
This guide breaks down the differences between tax-free, tax-deferred, and taxable options to help you navigate your choices.
Finding the right talent for your veterinary clinic can be challenging, but with a recruiting strategy, you can attract and retain your employees.
In this blog, we’ll discuss the nuances of group health insurance, including common questions and participation requirements.
Organizations are required to submit a W-3 form for their employees. But what is this form, and how does it differ from W-2 forms? Find out in our...
Wondering whether an HSA or health insurance is right for you? Learn the key differences between the two in this easy-to-understand comparison.
Curious how Millennials and Gen Z are impacting health insurance? This article explores the ways these generations are shaping the future of...
Learn why rewards and recognition programs are important, what they commonly consist of, and how you can offer one at your organization.
While S-corporation owners can't participate in HRAs, they can still be a good option to offer to employees instead of traditional group insurance.
In this article, we’ll compare group health and individual health insurance costs, and discuss a budget-friendly option for even more affordable...
Curious about the Family Glitch and its impact on your healthcare coverage? Find out everything you need to know.
Hospital indemnity plans help fill gaps in your health insurance by providing additional protection during hospital stays. Learn more about this type...
This blog goes over group health plans and group health insurance, how they differ, and how you can use an HRA to help your employees save on...
Boomerang employees are individuals who return to work for a former employer after some time away. Learn about the benefits of hiring boomerang...
Learn how the QSEHRA can help your church provide health insurance to pastors in a cost-effective and compliant manner.
Supplemental health benefits can provide added financial protection in case of unexpected medical expenses. Discover how this type of insurance can...
Protected health information is any data that can be used to identify an individual and their health status. Learn more about PHI and how to protect...
Wondering what an hour bank arrangement is in healthcare? This article breaks down the concept and how it functions within the construction industry.
Human resources management is the strategic approach to managing an organization's workforce. Learn more about what HR entails in this comprehensive...
Not sure if your high deductible health plan is HSA-qualified? This article explores how to determine if you're eligible for a health savings account.
Curious about QSEHRA eligibility for business owners? This informative infographic breaks down everything you need to know in a simple, visually...
The loss of a loved one is never easy, but offering bereavement leave to your employees can help make it a little smoother. Learn more in this guide.
Discover the benefits of short-term health insurance and how it can provide temporary coverage during transitions or gaps in your healthcare.
Navigating the ICHRA rules can be complex, but we've got you covered with everything you need to know in our informative blog post.
Deciding between small group and large group health insurance? This comparison guide breaks down the differences to help you make an informed...
This article breaks down the various health insurance plans and options for the self-employed so you can make the best decision for your health and...
Looking for ways to attract and retain top talent at your veterinary clinic? Check out these creative employee benefits ideas tailored for vet...
Wondering how to offer employee benefits? This quick guide will show you how to set up an employee benefits program in just one hour.
Learn how the QSEHRA can assist with your Medicare supplemental premiums and maximize your healthcare benefits in this informative article.
Stay informed about HRA attestation requirements to avoid any compliance issues. Get the essential information you need in this concise guide.
Discover the top benefits that employers should offer to attract and retain talented employees. Find out what matters most to today's workforce.
Are you considering HRA debit cards for your workers? Find out why they may not be the best option for your company and what alternatives you can...
This blog will guide employers and employees through their options for making mid-year changes to their health insurance plans.
Learn what holistic health is, the different types of holistic doctors, and how you can offer holistic health benefits to your employees.
Accident insurance provides financial protection if you have an unexpected injury. Learn more about what accident insurance covers and why it's...
Wondering what it means when a healthcare provider is out-of-network for your insurance? This article breaks it down for you in simple terms.
Find out which life events qualify you for a special enrollment period, allowing you to shop for health insurance outside of the open enrollment...
Learn the causes and signs of employee burnout, including how to create a positive work environment where employees feel safe and appreciated.
As a business owner, you may have heard of PCORI and the fees that come with it. We'll answer common questions about Form 720 and PCORI fees.
Employee benefits are a key component of any successful business. Discover the top five types of employee benefits that can help attract and retain...
Discover the costs of the top 20 most expensive medical procedures in the U.S. We'll also offer tips for how to protect yourself from costly medical...
Understanding the employee life cycle is crucial for HR teams. Dive into this guide to gain insights on each stage and optimize your management...
Form 8941 is used to calculate the credit for small employer health insurance premiums. Learn more about this form and how to properly fill it out.
Supplemental dental insurance can provide additional coverage for costly dental procedures. Find out how you can offer this important benefit to your...
Find out if your small business can cover individual health insurance plans for employees. Learn more about the pros and cons of this option here.
Learn how to coordinate tax credits with two of the most popular HRAs: the qualified small employer HRA (QSEHRA) and the individual coverage HRA...
In this post, we’ll discuss group health insurance, cover its pros and cons, and go over health benefit alternatives that can work for your...
Learn about the eligibility and benefits of health reimbursement arrangements (HRAs) for spouses and dependents in this comprehensive overview.
Wondering if you can use your HRA, HSA, or FSA for wellness expenses? Find out the eligibility requirements and rules in this informative guide.
The burden rate is the total indirect costs associated with employing a worker, such as benefits, taxes, and overhead. Learn more about burden rates...
Boost your employee engagement in health benefits with these effective strategies. Learn how to create a healthier and happier workplace today!
For applicable large employers, knowing the ACA safe harbors is essential for compliance. Learn more about these safe harbors in this informative...
Choosing the right individual health plan can be overwhelming. But with the right help, you can make an informed decision. See how to navigate the...
Learn the differences between an HSA and a QSEHRA, how they can work together, and why small businesses should consider offering both at the same...
Curious about PEO insurance? Find out all you need to know about professional employer organizations and how they are related to insurance in this...
Welcoming a new employee is an important step in ensuring their success within your organization. Get tips on how to properly welcome a new team...
Wondering whether your organization's health coverage meets the minimum value standard? Find out everything you need to know in this helpful guide.
Curious about how a QSEHRA operates for employees without proof of minimum essential coverage? This article breaks down the details for you to...
Discover the top HR software solutions designed for small businesses. Streamline your processes and improve employee management with these tools!
Looking for options beyond traditional health insurance? Discover popular alternatives that offer flexibility and cost savings in this comprehensive...
Need help understanding MEC plans? This guide breaks down the basics and helps you navigate the world of minimum essential coverage for your business.
Setting up your first HR department can be daunting, but with the right guidance, you can ensure its success. Learn how to start an HR department...
Confused about your health benefits options? A benefits navigator can help you make informed decisions. Find out more about benefits navigators.
What are the largest health insurance companies in the United States by market share? Find out in our list of the top 25 health insurance companies.
Confused about health reimbursement arrangements? Get clarity with these 10 commonly asked questions about HRAs and HRA rules.
Trying to choose between an HMO or PPO health plan? This detailed analysis highlights the pros and cons of each to help you navigate the healthcare...
The true cost of employee turnover goes beyond just recruitment expenses. Discover the hidden costs of losing an employee and how to mitigate them.
A health insurance premium is the amount of money you pay to your insurance provider for your health coverage. Learn more about health insurance...
Confused about employer contribution rules for health insurance and HRAs? This article breaks down the minimum requirements to help you navigate your...
Are you a startup looking to hire the best candidates? Learn how to effectively attract and retain top talent with these helpful tips.
Curious about the difference between inpatient and outpatient care? This blog breaks down key distinctions to help you make informed healthcare...
This article breaks down what field marketing organizations (FMOs) are, how they work, and how they help insurance agents and brokers grow their...
Individual health insurance has a range of advantages, from comprehensive coverage to the ability to tailor your plan to your specific needs.
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