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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
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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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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
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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
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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
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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
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How to Check If Your Doctor Is In-Network Before You Enroll
Discovering your doctor isn't in-network after you've enrolled is expensive and avoidable. Here's how to verify network coverage before you commit.
August 16, 2026
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What Qualifying Life Events Allow Mid-Year Enrollment Changes?
Employees don't have to wait for open enrollment to change coverage if they've had a qualifying life event. Here's what counts and...
August 16, 2026
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Medicaid vs. Marketplace: Which One Covers You?
Low income may qualify you for Medicaid instead of a marketplace plan. Here's how to tell which program you're eligible for and...
August 15, 2026
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The True Cost of Employee Turnover From Poor Benefits
Poor benefits drive turnover, and turnover is expensive. The math on offering competitive health coverage almost always works in the employer's favor.
August 15, 2026
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Understanding Your ACA Plan’s Deductible, Copay, and Out-of-Pocket Maximum
Deductible, copay, coinsurance, out-of-pocket max — these four terms determine what you actually pay for care. Here's exactly how they work together.
August 14, 2026
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