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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COBRA vs. Marketplace: Which One Should You Choose After Job Loss?

COBRA lets you keep your employer plan, but at full cost. A marketplace plan may be far cheaper. Here's how to compare...

August 11, 2026 Read more →

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What Is a High Deductible Health Plan — and Is It Right for Your Business?

HDHPs offer lower premiums but higher deductibles. Here's how to evaluate whether one makes sense for your small business group health plan.

August 11, 2026 Read more →

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Turning 26: What Happens When You Age Off Your Parents’ Health Plan

Turning 26 means aging off your parents' health plan. Here's what the deadline is, what your options are, and how to avoid...

August 10, 2026 Read more →

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Open Enrollment Checklist for Small Business Owners

Don't miss a step during open enrollment. This checklist covers everything small business owners need to do from 90 days out to...

August 10, 2026 Read more →

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Self-Employed? Here’s How to Handle Health Insurance

Self-employed individuals have real options for health coverage — including marketplace subsidies and the self-employed health insurance deduction. Here's how it works.

August 9, 2026 Read more →

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HSA vs. FSA: Which One Makes Sense for Your Employees?

HSAs and FSAs both offer tax advantages, but they work differently. Here's how to decide which one belongs in your open enrollment...

August 9, 2026 Read more →

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Do You Qualify for ACA Premium Tax Credits? Here’s How to Find Out

Premium tax credits can dramatically lower your ACA marketplace premium — sometimes to $0. Here's who qualifies and how much you could...

August 8, 2026 Read more →

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How to Communicate Open Enrollment to Your Employees

The plan is only as good as the employees who use it. Here's how to communicate open enrollment clearly so no one...

August 8, 2026 Read more →

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Bronze, Silver, Gold, Platinum: How ACA Metal Tiers Actually Work

Bronze, Silver, Gold, Platinum — the ACA metal tiers control how costs are split between you and your insurer. Here's how to...

August 7, 2026 Read more →

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5 Signs It’s Time to Switch Health Insurance Carriers This Open Enrollment

Don't auto-renew without checking these five warning signs. Open enrollment is your best chance to find better coverage at a better price.

August 7, 2026 Read more →