The Power of Health Literacy: How Smarter Choices Can Lead to Bigger Savings
Navigating the healthcare system is rarely a straight line. Between deciphering insurance jargon and choosing the right doctor, the decisions you make have a direct impact on your physical health and your bank account. As healthcare costs continue to rise—ranking as...
Wellness Works: Spring 2026
Spring into Motion: Strengthening Your Heart A new study published in BMJ Heart, a leading journal for cardiovascular advances, has found a powerful connection between your walking speed and your heart rhythm. According to the research, people who maintain an average...
From Reactive to Proactive: Empowering Employees Through Preventive Care
In the world of employee benefits, we often spend our time talking about what happens when things go wrong—surgeries, emergency room visits, and specialist consultations. Today, the most successful organizations are shifting the conversation toward what happens when...
“Too Small for HR”? Here’s Why That’s a Risky Myth
“HR is for big companies. We’re only 12 people.” It’s a common refrain and an expensive one. Compliance obligations don’t wait until you hit 50, 100, or 500 employees. Many apply from employee #1, and others kick in far earlier than most small businesses expect. The...
Navigating Health Plan Options: A Quick Guide
Choosing a health insurance plan can feel a lot like solving a puzzle—there are many moving pieces, and the best fit depends on how they come together for your unique situation. With so many options and acronyms—HMO, PPO, POS, EPO, HDHP—it’s easy to feel unsure about...
Medicare & Other Insurance: A Simple Guide to Who Pays First
If you have Medicare plus another form of coverage—like an employer plan, retiree insurance, or Medicaid—you might wonder which one handles your medical bills first. This is managed by Coordination of Benefits (COB) rules. The Basics: Primary vs. Secondary Primary...
Filing Form 5500
If your company provides an employee benefit plan governed by the Employee Retirement Income Security Act (ERISA), you are likely obligated to file Form 5500. This annual report discloses key details about your organization’s benefit offerings, such as welfare benefit...
ACA Update: IRS Announces 2027 Cost-Sharing Limits
On January 29, 2026, the U.S. Department of Health and Human Services (HHS) officially released the maximum cost-sharing limits for the 2027 plan year. These figures represent a significant 13.2% increase over the 2026 limits, marking a substantial shift in potential...