Insurance Insights

The Garden State Benefits Blog

Plain-English guides on group benefits, individual health insurance, and everything in between — written for business owners and individuals who just want straight answers.

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Catastrophic Health Plans: Who Can Buy Them and Are They Worth It?

Catastrophic plans have the lowest marketplace premiums but very high deductibles and no subsidy eligibility. Here's who they're actually right for.

August 21, 2026 Read more →

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Should You Offer One Health Plan or Multiple Options?

One plan vs. multiple options — both approaches have trade-offs. Here's how to decide what structure makes sense for your small business.

August 21, 2026 Read more →

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What Is an HSA — and How Does It Work With Your Individual Health Plan?

An HSA pairs with high-deductible marketplace plans to give you a triple tax advantage. Here's how it works and why it's worth...

August 20, 2026 Read more →

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What Employees Actually Want From Their Health Benefits

Knowing what employees actually want from their benefits helps you spend your dollars where they have the most impact. Here's what the...

August 20, 2026 Read more →

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Dental and Vision Coverage for Individuals: What the Marketplace Offers

The ACA marketplace doesn't automatically include adult dental or vision. Here's how to add these coverages to your individual plan.

August 19, 2026 Read more →

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How to Evaluate a Group Health Plan Proposal

A group health proposal has a lot of numbers. Here's how to evaluate what actually matters and make a confident decision for...

August 19, 2026 Read more →

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How Income Affects Your ACA Marketplace Subsidy

Your ACA subsidy is directly tied to your household income. Here's how the formula works, what MAGI means, and how to report...

August 18, 2026 Read more →

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ACA Compliance Checklist for Small Business Employers

ACA compliance isn't just for large employers. Here's what small businesses offering group health coverage need to have in order.

August 18, 2026 Read more →

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Health Insurance for Freelancers and Gig Workers

Freelancers and gig workers have real options for health coverage — including marketplace subsidies, the self-employed deduction, and HSA strategies. Here's the...

August 17, 2026 Read more →

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How Carriers Set Group Health Premiums for Small Businesses

Small group premiums are priced by community rating, not your employees' health history. Here's what actually drives your rate — and how...

August 17, 2026 Read more →