Self Funded vs. Fully Insured – How to Make the Right Choice
As a business owner looking for an employee health plan, you face the critical task of balancing costs, coverage, and your employees’ well-being. While a traditional option was fully insured plans, the constant rise in premium costs may have led you to consider level-funded and self-funded policies. Each model has its advantages, but also presents […]
OBBBA 2025: What Employers Need to Know About Health & Workforce Benefits Reform
On July 4, 2025, President Trump signed into law the One Big Beautiful Bill Act (OBBBA), a sweeping budget reconciliation measure with far-reaching implications for employer-sponsored benefit plans. Several key provisions—ranging from expanded HSA rules to DCAP increases—are directly relevant for HR and benefits leaders managing plan design, compliance, and workforce wellness strategy. Here’s what your […]
Maximizing Health Plan Value: A CFO’s Fiduciary Playbook for Sustainable Savings
In today’s challenging healthcare landscape, many CFOs and financial decision-makers feel trapped by rising healthcare costs. The constant uptick in premiums, claims, and the increasing complexity of compliance can feel overwhelming. But what if there’s a better way?
The Biggest Misconception in Employee Benefits: Timing is Everything
When it comes to employee benefits, one of the most damaging misconceptions is this: you can only work on your healthcare strategy 3-6 months before your renewal. This mindset leads to poor decision-making and perpetuates the dreaded late renewal cycle, leaving HR teams and employers scrambling every year. The Post-Open Enrollment Relief: A False Sense […]
2024 Advisor of the Year: Chelsea Ryckis
The 2024 Advisor of the Year will be announced at the BenefitsPRO Broker Expo, April 29 – May 1, 2024 in Denver, Colorado. The winner will be further profiled after the announcement.
BenefitsPro 2024 Advisor of the Year Finalist: Chelsea Ryckis
The 2024 Advisor of the Year will be announced at the BenefitsPRO Broker Expo, April 29 – May 1, 2024 in Denver, Colorado. The winner will be further profiled after the announcement.
Unlocking The “Magic Trifecta” For Employee Benefits: Your Health, Your Family, Your Peace Of Mind
Have you ever felt that pang of envy when you hear about the amazing benefits your friends or family members enjoy? You’re not alone. According to a recent study, 59% of U.S. workers experience “benefits envy,” a modern-day form of FOMO that leaves us craving better coverage and support for our healthcare needs. But what if […]
Common Invoice Issues & Evidence Of Insurability
I speak with prospective clients who often say that their Open Enrollment went well, but they have these nagging invoice issues. If you notice that benefit amounts are incorrect on your invoices or employee deductions don’t match the carrier invoice, an Evidence of Insurability (EOI) issue might be the cause.
Breaking Down The J&J Lawsuit: What Employers Need To Know
Imagine going to a pharmacy to pick up your prescription and finding out that the same medication costs hundreds or even thousands of dollars more under your employer-sponsored health plan. This scenario is at the heart of a recent class action lawsuit filed against Johnson & Johnson (J&J), shining a spotlight on how employers manage their employees’ healthcare benefits.
BenefitsPRO Expo Preview: Build culture and get the best from your people
If our employees are experiencing heightened expectations for upskilling and overall output, how are we, as their leaders, supporting them?