Plain-English guides on group benefits, individual health insurance, and everything in between — written for business owners and individuals who just want straight answers.
The ICHRA lets employers reimburse employees for individual health insurance instead of running a group plan. Here's how it works and who...
Short-term health plans have lower premiums but major coverage gaps. They can leave you unprotected precisely when you need insurance most.
Remote teams create network coverage gaps that in-office employers don't face. Here's how to structure group benefits for a multi-state team.
An Explanation of Benefits isn't a bill — it's a summary of how your claim was processed. Here's how to read one...
Independent brokers are compensated by carriers, not employers — but they save employers real money through market access and expert plan design.
Catastrophic plans have the lowest marketplace premiums but very high deductibles and no subsidy eligibility. Here's who they're actually right for.
One plan vs. multiple options — both approaches have trade-offs. Here's how to decide what structure makes sense for your small business.
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...
Knowing what employees actually want from their benefits helps you spend your dollars where they have the most impact. Here's what the...
The ACA marketplace doesn't automatically include adult dental or vision. Here's how to add these coverages to your individual plan.
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