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Group Benefits


How Prescription Drug Coverage Really Works (and Why It’s Where Most Plans Break Down)
Prescription drug coverage can be confusing and costly. Learn how tiers, copays, coinsurance, and formularies work — and how to avoid surprise bills.

Amanda Johnsen
Apr 24


Part 5: ICHRA Success Depends on Education — Not Just the Benefit
An ICHRA works best when employees understand it. Discover why education and guidance are key to making this benefit truly effective.

Amanda Johnsen
Apr 10


Part 4: Why Employers Like ICHRAs (and Where They Need to Be Careful)
ICHRAs offer flexibility and cost control for employers — but success depends on thoughtful design, clear communication, and proper employee support.

Amanda Johnsen
Apr 3


Part 3: When Does an ICHRA Actually Make Sense for Employees? Income Matters
Not all ICHRAs benefit every employee equally. Learn how income, household size, and plan design affect whether an ICHRA is right for you.

Amanda Johnsen
Mar 27


Part 2: ICHRA vs. ACA Tax Credits — Why You Can’t Use Both
Thinking about using an ICHRA while getting ACA premium tax credits? Discover why employees can’t use both and how it affects coverage choices.

Amanda Johnsen
Mar 20


ICHRA Mini-Series: What Employers and Employees Need to Know - Part 1
Part 1: What Is an ICHRA? A Plain-English Explanation for Employers and Employees If you’ve heard the term ICHRA and thought, “I should probably understand this, but I don’t,” you’re not alone. ICHRAs are becoming more common, especially among small and growing businesses—but they work very differently from traditional group health insurance. Understanding what an ICHRA is (and what it isn’t) is the first step to knowing whether it makes sense for an employer or an employee.

Amanda Johnsen
Mar 13


Why Employees Skip Benefits Enrollment (and How Employers Can Fix It)
Every year, employers spend time and money offering benefits designed to support their employees. Yet many companies see the same frustrating pattern: employees either rush through enrollment or skip certain benefits entirely. This isn’t because employees don’t care. More often, it’s because the process feels confusing, overwhelming, or disconnected from their real needs. Understanding why employees disengage is the first step to fixing it. 1. Too Much Information, Not Enough

Amanda Johnsen
Feb 27


Employer Health Plans vs. Individual Coverage: How to Know What’s Best for Your Situation
Health insurance decisions aren’t one-size-fits-all. Some people are covered through an employer, while others shop for their own individual plan. In some cases, both options may even be available at the same time. So how do you know which one is actually better for your situation? The answer depends on more than just the monthly premium. Let’s break down the key differences and what to consider when comparing employer-sponsored health plans and individual coverage. What Is E

Amanda Johnsen
Feb 20


Voluntary Benefits 101 for Employers: What Employees Actually Use (Not Just What Sounds Good)
Offering voluntary benefits can be a great way to support your employees and improve retention, but not all benefits are created equal. Some look great on paper, while others actually get used and appreciated by employees in meaningful ways. If you’re an employer considering voluntary benefits, here’s what you need to know to make smart, impactful choices. What Are Voluntary Benefits? Voluntary benefits are employee benefits that complement core health coverage. They are flex

Amanda Johnsen
Jan 30


Real Stories: How One HR Manager’s Decision to Offer Voluntary Benefits Changed a Life (and a Workplace)
Real Stories: How One HR Manager’s Decision to Offer Voluntary Benefits Changed a Life (and a Workplace)

Amanda Johnsen
Nov 27, 2025


HR Advice: What to Know Before Offering Employee Benefits for the First Time
HR Advice: What to Know Before Offering Employee Benefits for the First Time

Amanda Johnsen
Nov 13, 2025


Real Stories: How Accident Insurance Helped One Family Bounce Back After a Fall
This real-life story shows how accident insurance helped one family handle medical bills and unexpected costs after a fall. Learn why supplemental benefits matter.

Amanda Johnsen
Oct 30, 2025


Choosing the Right Voluntary Benefits for Your Stage of Life
Voluntary benefits can change your financial future. Discover which plans are best for your life stage — from young professionals to retirees — and how they help fill important coverage gaps.

Amanda Johnsen
Oct 23, 2025


What Is the Difference Between Group Health Insurance and Individual Plans?
Learn the key differences between group health insurance and individual plans, including cost, coverage, and flexibility — so you can choose the right health insurance for your needs.

Amanda Johnsen
Oct 16, 2025


Real Stories: Why One Employee Was Glad They Chose Hospital Indemnity Coverage
Real Stories: Why One Employee Was Glad They Chose Hospital Indemnity Coverage

Amanda Johnsen
Oct 2, 2025


How to Layer Voluntary Benefits to Fill Gaps in Your Health Coverage
Health insurance doesn’t cover everything. Learn how to layer voluntary benefits like accident, hospital, dental, and disability insurance to fill the gaps and stay protected.

Amanda Johnsen
Sep 25, 2025


Top 10 Reasons Employees Value Voluntary Benefits (Even More Than Salary)
Think salary is everything? Discover the top 10 reasons why employees often value voluntary benefits — like accident, dental, and disability coverage — even more than a raise.

Amanda Johnsen
Aug 21, 2025


Real Stories: How a Cancer Plan Helped One Family Avoid Financial Devastation
Real Stories: How a Cancer Plan Helped One Family Avoid Financial Devastation

Amanda Johnsen
Aug 7, 2025


Did You Know There’s a Penalty for Not Offering Health Insurance (in Some States)?
Some states now penalize employers who don’t provide health insurance. Learn where this applies, who it affects, and how to stay compliant while protecting your business.

Amanda Johnsen
Jul 24, 2025


Understanding COBRA: What Happens When an Employee Leaves a Job?
When an employee leaves a job, COBRA coverage can help them stay insured. Learn what COBRA is, how it works, and what employers and employees need to know.

Amanda Johnsen
Jul 3, 2025
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