Group Benefits

Prescription drug coverage can be confusing and costly. Learn how tiers, copays, coinsurance, and formularies work — and how to avoid surprise bills.

An ICHRA works best when employees understand it. Discover why education and guidance are key to making this benefit truly effective.

ICHRAs offer flexibility and cost control for employers — but success depends on thoughtful design, clear communication, and proper employee support.

Not all ICHRAs benefit every employee equally. Learn how income, household size, and plan design affect whether an ICHRA is right for you.

Thinking about using an ICHRA while getting ACA premium tax credits? Discover why employees can’t use both and how it affects coverage choices.

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.

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

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

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

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

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

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.

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.

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.

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

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.

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

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.

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.