How ICHRA works and when it makes sense
An ICHRA lets you give employees a tax-free allowance to buy their own coverage instead of offering a group plan. Here is the mechanism, the rules, and the situations where it genuinely fits.
The How-To library
The questions employers actually ask us, answered properly. No gated downloads, no lead-capture walls, no carrier brochure language. If one of these saves you a phone call, it did its job.
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How to prepare for open enrollment: a checklist for small employers
A 120-day plan for open enrollment, from renewal decisions through payroll verification, with the deadlines that actually bite and the communication steps most employers skip.
How ACA employer mandate rules apply at 50 employees
Crossing 50 full-time equivalents triggers real obligations and real penalties. Here is how the count actually works, what you have to offer, and the reporting that follows.
Fully insured vs. level-funded health plans: how to decide
Level-funded plans give you claims data and a shot at money back, at the cost of underwriting and some complexity. Here is how the two structures actually differ and which groups each one suits.
How to read your group health insurance renewal
Your renewal letter is a short document that hides most of what you need to know. Here is what each number means, which ones are negotiable, and the questions to ask before you sign anything.
Reading is useful. Your actual numbers are better.
Send us your renewal and we will tell you what is driving your cost, in writing, for free.