When choosing health insurance plans to offer employees, employers need to balance sufficient healthcare with cost-efficiency. High and low deductible health plans can be beneficial if used in the right circumstances. Employers and insurance brokers can use this article as a guide in determining when to choose which option. What Is a High Deductible Health Plan (HDHP)? […]

Normally, you can only enroll in or make changes to a Flexible Spending Account (FSA) during your employer’s open enrollment period. However, if you experience a qualifying life event (QLE), you may be allowed to start an FSA, change your contribution amount, or cancel your FSA. A QLE can affect the type of coverage and contribution […]

A leading independent co-educational college preparatory middle and high school in South Florida faced a major challenge heading into its July 2025 health insurance renewal. Their incumbent carrier, Cigna, proposed a staggering 42% premium increase, which would have driven the school’s total healthcare costs to over $2.5 million—a level the school simply could not sustain. […]

The Affordable Care Act (ACA) requires employers with over 50 employees to provide specific healthcare benefits, although smaller employers may also do so. Employees can opt for these benefits during open enrollment. There is a set schedule at the federal level. However, some states have their own schedules if they have their own healthcare Marketplaces. Whether open enrollment […]

If you miss the open enrollment period for your health benefits, your existing coverage may simply be renewed. This is the case whether you’re insured through an individual plan or your employer. However, without an existing plan, you’ll have to wait until the next open enrollment. Only specific cases allow for enrollment outside of this schedule. This […]

Insurance brokers are essential in helping employer clients navigate the complex world of health insurance benefits. Employers will want to offer competitive benefits that attract and retain top talent while benefiting the business. Understanding the nuanced difference between a Medical Expense Reimbursement Plan (MERP) and an Individual Coverage Health Reimbursement Arrangement (ICHRA) will help you […]

Employers usually offer a high deductible health plan (HDHP) or a preferred provider organization (PPO) as one of their healthcare benefits. Each has its pros and cons. However, offering both can ensure employees choose what fits their needs best, without having to sacrifice the company’s bottom line. This guide breaks down the differences and why you may […]

Meet Tony Mahon – Executive Vice President, National Public Entity Practice Leader Tony Mahon currently serves as Executive Vice President at Marsh McLennan Agency (MMA), the U.S.-based subsidiary of global insurance brokerage Marsh. Tony sits on the MMA sales leadership team, with over thirty years of experience in the insurance industry. He’s been at the […]

Healthcare premiums represent the financial backbone of health insurance. They’re the regular payments that policyholders make to maintain coverage. Healthcare premium affordability is a significant concern among policyholders, especially considering premiums are expected to increase by 7% in 2025. For employer groups who want to deliver exceptional value to members, understanding what constitutes an affordable premium […]