Your guide from hire to retire.
To provide information that will have a positive impact on your entire company, we will delve into topics such as the personality of your company — would you describe it as parental? Where do you want your company to be in coming years?
As a Benefits Advisor, I’ve seen a noticeable uptick in members receiving letters from their health insurance plans about hospital contract negotiations. These notices often arrive with urgent-sounding language and can trigger unnecessary panic. The good news? Most of these communications are routine, required by regulations, and do not mean […]
Medications known as GLP-1s (glucagon-like peptide-1 receptor agonists) have gained attention for helping people manage weight and related health conditions. Many health plans, including BCBS, Priority Health and UHC in Michigan, do not cover GLP-1 drugs when prescribed specifically for weight loss, which can leave employees wondering what, if any, alternatives exist. The […]
We all know healthcare costs increase annually. Medical trend increases are based on higher costs for prescription drugs, advancement in medical technologies, reinsurance costs and regulatory changes. So, what are the reasons for the higher than normal premium rates as we approach 2025? The aftereffects of COVID are creeping into the system.
As employers continue to field questions about rising ACA Marketplace premiums, there is a new development worth watching closely. On January 8, 2026, a bill was introduced in Congress aimed at addressing the expiration of enhanced ACA subsidies. If the House and Senate agree and pass this legislation, it could […]
Understanding Full-Time Equivalents (FTEs) Under the Affordable Care Act (ACA): A Guide for Employers What is a Full-Time Equivalent (FTE)? A Full-Time Equivalent (FTE) is a unit of measurement that represents the workload of an employee in a way that makes workloads comparable across various employment structures. Who Needs to […]
Understanding the Affordable Care Act: What Employers Need to Know when Moving Above or Below 50 FTEs The Affordable Care Act (ACA) has specific regulations that impact employers based on the size of their workforce. One of the most critical thresholds is 50 full-time equivalent (FTE) employees. Crossing this line, […]
Tracking Variable Hour Employees: Understanding Measurement and Administrative Periods Employers with variable hour employees face unique challenges when it comes to tracking hours and determining health insurance eligibility. Under the Affordable Care Act (ACA), businesses must use specific methods to measure employee hours and ensure compliance with health coverage requirements. […]
New Benefits, Big Changes: What the OBBBA Means for HDHPs Telehealth, FSAs, HSAs & More The recently passed One Big Beautiful Bill Act (OBBBA) brings a wave of important updates that will directly impact health plan administration, tax-preferred accounts, and telehealth accessibility, many of which take effect starting January 1, […]
Health Savings Account (HSA) FAQs: Everything You Need to Know A Health Savings Account (HSA) is a powerful tool that helps individuals save for medical expenses while enjoying tax advantages. If you’re considering opening an HSA or want to maximize its benefits, here are some of the most frequently asked […]
Understanding PCORI Fees: What They Are and Who is Required to Pay Them The Patient-Centered Outcomes Research Institute (PCORI) fee is a federal fee established under the Affordable Care Act (ACA) to fund research that helps patients, healthcare providers, and policymakers make informed healthcare decisions. If you are an employer […]