Insights & Blog

Is Your Drug Coverage “Good Enough” for Medicare? What Employers Need to Know About Creditable Coverage and 2027 Pre-Tax Limits

Every fall, tucked in with open enrollment materials, a short notice goes out to employees that most people skim right past. It’s the Medicare Part D creditable coverage notice, and for years it...

The Benefit Everyone Offers and Almost Nobody Uses

Nearly every mid-market benefits program includes them. An employee assistance program with counseling sessions available at no cost. A digital wellness platform with health coaching, condition...

Wellness Theater: Why Your Step Challenge Isn’t Building the Healthy, Loyal Workforce You’re Paying For

Walk into almost any mid-market organization and you’ll find some version of it: a wellness program. Maybe it’s a step-challenge app with a leaderboard. Maybe it’s a biometric...

What Public Entity Leaders Should Understand About How Their Risk Pools Actually Work

If you manage a municipality, county, school district, special district, or tribal government, there’s a good chance your organization’s insurance and benefits programs were in place long...

The Boutique Advantage: When Fortune 500 Expertise Meets the Advisor Who Answers the Phone

There’s a decision that plays out every open enrollment season in break rooms, kitchen tables, and hurried lunch-hour browser sessions across the country. An employee opens the enrollment...

What Would Happen to Your Family If You Couldn’t Work Tomorrow?

Nobody wakes up planning to have a stroke at 44. Nobody schedules the car accident that happens on the way home from their kid’s soccer game. Nobody pencils in the back injury that turns a...