Insights
Guides, briefs and answers for the people running benefits — written by the advisors who do this every day.
A self-insured health plan is an employer-sponsored arrangement in which the company pays covered medical claims from its own funds instead of buying a fully insured policy. You're probably reading
Small-firm workers often face higher single deductibles than workers at larger firms, according to KFF's 2025 report on family premiums. That difference matters: employers may pay similar premiums while employees
Your renewal is sitting in your inbox, payroll needs next year's deductions, and employees want to know whether they can keep their doctors. You don't need another spreadsheet of premiums.
The popular advice is that a big life change lets you change your health insurance. That's incomplete, and it can send an employee toward the wrong deadline. A qualifying life
Benefits cost employers $13.58 per hour for private-industry workers in June 2025, equal to 29.8% of total compensation, according to the Bureau of Labor Statistics June 2025 benefits cost release.
The most misleading ERISA advice is to start and finish with Form 5500. A filing exemption can spare an employer an annual report without removing the work employees depend on:
