(804) 673-6676
(703) 932-2915
IRS Releases Pay-or-Play Affordability Percentage for 2027 On July 21, 2026, the IRS released Revenue Procedure 2026-26 to index the contribution percentage in 2027 for determining the affordability of an employer’s health plan under the Affordable Care Act (ACA). For plan years beginning in 2027, employer-sponsored coverage will be considered affordable under the ACA’s … Continued
Cancer has evolved into a persistent and complex challenge that demands a proactive approach rather than a reactive one. With more employees being diagnosed at younger ages and the cost of advanced treatments accelerating, cancer has solidified its position as a primary driver of healthcare spending for organizations. According to the Business Group on Health’s … Continued
An FSA is an employer-sponsored, tax-advantaged savings account. It allows you to set aside “pre-tax” money—meaning the money is taken out of your paycheck before taxes are calculated—to pay for out-of-pocket healthcare and dependent-care expenses. The Bottom Line: Because you aren’t paying taxes on this money, you effectively lower your taxable income and increase your … Continued
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
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