Current Trends in Stop-Loss Insurance for 2024
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As healthcare costs continue to rise and market uncertainties persist, a growing number of employers are turning to self-insurance to gain better control over their healthcare expenses. This shift towards self-insurance accompanies a heightened focus on risk management and using advanced data analytics to optimize stop-loss insurance solutions and accurately assess risks. However, the employer […]
High-Deductible Health Plans (HDHPs): Understanding the Benefits
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High-Deductible Health Plans (HDHPs) are increasingly popular in the United States as employers and individuals seek ways to manage rising healthcare costs. While these plans require policyholders to pay a higher deductible before insurance coverage kicks in, they also offer a range of benefits that can make them an attractive option. Benefits of HDHPs 1. […]
How To Develop an Effective HR Strategy: 5 Steps to Drive Your Organization Forward
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People are the foundation of any business. Implementing a strategic roadmap for how you attract, manage, and retain your people can be the difference maker in the success and growth of your organization. A thoughtful and effective HR strategy not only aligns with business objectives but also fosters a productive, engaged, and satisfied workforce. The […]
The Future of HR Technology: Trends Every HR Leader Should Know
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Human Resources (HR) technology, or HR Tech, is undergoing a revolution. Artificial intelligence (AI), automation, and data-driven insights fundamentally reshape how organizations manage their most valuable asset – their workforce. HR leaders who embrace these trends can reap significant benefits for their companies, including: As an HR leader, it’s essential to optimize your people strategy […]
Captive Insurance Solutions Are a Game Changer for Your Business
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Captive insurance for employee benefits is a strategy where a group of employers collaborate to distribute the risk of their self-funded medical and pharmacy plans. By incorporating multiple layers of stop-loss insurance , each employer can choose a deductible level that suits their needs while maintaining high flexibility and control. This collective arrangement means risks are […]
REMINDER: PCORI Fees Due By July 31, 2024
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REMINDER: PCORI Fees Due By July 31, 2024 Employers that sponsor self-insured group health plans, including health reimbursement arrangements (HRAs) should keep in mind the upcoming July 31, 2024 deadline for paying fees that fund the Patient-Centered Outcomes Research Institute (PCORI) via Form 720, which was recently updated and released by the IRS. As background, […]
The Value of Voluntary Benefits: Enhancing Employee Satisfaction at No Cost to Employers
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There are now up to five generations coexisting in the workplace, each with their own motivations, expectations, and needs? If you couple this reality with the rise of hybrid work environments, the need for a comprehensive employee benefits strategy with diverse voluntary benefits has never been more critical. Today, 61% of employees believe it is […]
IRS Releases 2025 HSA Contribution Limits and HDHP Deductible and Out-of-Pocket Limits
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In Rev. Proc. 2024-25, the IRS released the inflation-adjusted amounts for 2025 relevant to Health Savings Accounts (HSAs) and high deductible health plans (HDHPs). The table below summarizes those adjustments and other applicable limits. 2025 2024 Change Annual HSA Contribution Limit (employer and employee) Self-only: $4,300 Family: $8,550 Self-only: $4,150 Family: $8,300 Self-only: +$150 […]
HR Tech Traps: Avoiding Common Pitfalls for Smoother Implementation
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The integration of technology into Human Resources (HR) processes has revolutionized the way organizations manage their workforce. HR technology promises increased efficiency, accuracy, and data-driven decision-making, from recruitment and onboarding to performance management and employee engagement. However, despite its potential benefits, implementing HR tech can be fraught with challenges and pitfalls. Keep reading as we […]
Reminder: RxDC Reporting Due June 1st
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March 26, 2024 | LEGAL ALERT With the 2023 reference year RxDC reporting deadline approaching soon, plan sponsors should familiarize themselves with recent updates to the RxDC Reporting Instructions. As a reminder, the Consolidated Appropriations Act, 2021 includes a provision that requires group health plans and health insurance issuers (collectively “plans and issuers”) to report […]