Open enrollment is more than just a checkbox on your to-do list—it’s your annual opportunity to design a financial and health safety net that fits your life. Because your needs today might be different than they were a year ago, we want to make sure you have the tools to choose wisely. To help you … Continued
Many people put off seeking medical care, even when they recognize that something doesn’t feel right. Busy schedules, financial concerns, fear of receiving bad news, and the hope that symptoms will simply go away often lead to delays that can allow health problems to worsen. While postponing care may seem like the easier choice in … Continued
As the modern workforce evolves, employer-sponsored benefits must adapt to meet changing demographic demands. Women comprise nearly half of the U.S. workforce and are its primary consumers of healthcare services. Today, standard health coverage is shifting away from a pregnancy-only lens to an inclusive, whole-life framework. The Evolution to Whole-Life Care Historically, corporate maternal care … Continued
Health insurance can be complex, especially when your employer introduces new benefit structures. One option you may encounter is the Individual Coverage Health Reimbursement Arrangement (ICHRA). Unlike traditional group plans where the employer selects a single policy for everyone, an ICHRA changes how benefits are delivered. Under an ICHRA, your employer decides on a monthly … Continued
Plan and Prepare Early (8–12 Weeks Before) Use the Right Tools: Implement a 24/7 benefits portal so employees can review options at their convenience. Learn from the Past: Analyze last year’s questions, pain points, and participation trends. Build Clear Resources: Create a concise, easy-to-navigate benefits guide with side-by-side plan comparisons. Develop Education Materials: Prepare FAQs, … Continued
High Deductible Health Plans (HDHPs) paired with Health Savings Accounts (HSAs) remain a cornerstone of modern benefits strategy. When executed correctly, they offer a powerful “triple tax advantage” for employees and lower premiums for employers. However, the federal rules governing these accounts are strict. As we move into the 2026 plan year—and navigate new permanent … Continued
Work and family are two of the most important parts of an employee’s life. But starting or growing a family doesn’t always happen easily. According to the World Health Organization, about one in six people experience fertility challenges, making the path to parenthood stressful, complex and often expensive. Not surprisingly, these challenges can spill over … Continued
Navigating the healthcare system can often feel like trying to read a map in a language you don’t speak. Between the “alphabet soup” of acronyms—HMO, PPO, HSA—and the shifting rules of 2026 coverage, it’s easy to feel overwhelmed before you even step foot in a doctor’s office. However, health insurance literacy isn’t just about understanding … Continued
A New Era of Health and Welfare Fiduciary Litigation Health and welfare plan fiduciaries are entering a period of increased legal scrutiny. For many years, fiduciary litigation under the Employee Retirement Income Security Act of 1974 (ERISA) focused primarily on retirement plans, and particularly on allegations of excessive fees involving 401(k) plans. More recently, however, … Continued
DOL Extends Comment Period on Proposed PBM Fee Disclosure Rule The Department of Labor (DOL) has announced a short extension to the comment period for its proposed rule on pharmacy benefit manager (PBM) compensation transparency. The rule is intended to strengthen disclosure requirements for PBMs and related service providers working with self-insured group health plans subject to … Continued
