Insights
Guides, briefs and answers for the people running benefits — written by the advisors who do this every day.
When you’re trying to budget for healthcare, coinsurance is one of the most important—and often misunderstood—parts of the puzzle. It’s the percentage of a medical bill you’re responsible for after
Let's be honest: health insurance terminology can feel like a completely different language. But once you get past the jargon, it really comes down to a handful of key financial
When you’re weighing an HSA vs. HRA, the decision really boils down to one thing: ownership. Do you want to give your employees a portable, long-term savings account for healthcare,
So, what exactly is a High-Deductible Health Plan (HDHP)? The simplest way to think about it is through an analogy you're already familiar with: your car insurance. You can choose
Think of a health plan that isn't just a fixed, use-it-or-lose-it cost, but more like a subscription where you might get a refund at the end of the year. That’s
A floating holiday is a paid day off that an employee can use on a day of their choosing, rather than on a fixed public holiday. Think of it as
