Insights · Page 9

Notes on benefits,
done better.

Plain-English thinking on what's actually driving your healthcare costs — and what to do about it.

No jargon, no sales pitch. Just the honest, benefits-advisory thinking we'd share across the table — on renewals, funding models, compliance, market access, and the decisions that quietly shape what you pay.

HDHP with an HSA: How You Save on Premiums
Healthcare Costs & Savings

HDHP with an HSA: How You Save on Premiums

Lower your monthly premiums with an HDHP and use a tax-advantaged HSA to pay for deductibles, claims, and copays. Find out how to maximize your savings.

February 4, 2026 Read more
Are Voluntary Benefits Pre-Tax? The Answer Explained
Employee Benefits & Retention

Are Voluntary Benefits Pre-Tax? The Answer Explained

Are voluntary benefits pre-tax? Some are, but many are post-tax. Understand the tax rules for employee voluntary benefits and how they affect your pay. Learn more.

February 3, 2026 Read more
Level-Funded vs. Self-Funded: Which Saves More?
Business Health Insurance

Level-Funded vs. Self-Funded: Which Saves More?

Which health plan saves more: level-funded or self-funded? Get a clear comparison of costs, pros, and cons. Make an informed decision for your company.

February 2, 2026 Read more
Average Benefits Cost Per Employee: 2026 Benchmarks
Employee Benefits & Retention

Average Benefits Cost Per Employee: 2026 Benchmarks

How much do employee benefits cost in 2026? See average per-employee costs, payroll percentage benchmarks, and strategies to control your total benefits spend.

January 30, 2026 Read more
Do I Need Long Term Disability Insurance? A Guide
Employee Benefits & Retention

Do I Need Long Term Disability Insurance? A Guide

Long term disability insurance protects your income if an illness or injury stops you from working. See if this essential coverage is right for you.

January 29, 2026 Read more
How to Set Up an ICHRA: A 4-Step Employer Guide
Employee Benefits & Retention

How to Set Up an ICHRA: A 4-Step Employer Guide

An ICHRA gives your team health insurance choice while you control costs. Our guide shows you the best way to set up this flexible HRA account. Learn how today.

January 28, 2026 Read more
6 Health Insurance Alternatives for Your Business
Employee Benefits & Retention

6 Health Insurance Alternatives for Your Business

A health insurance alternative can lower costs for your business. See how DPC, HRAs, and HSAs provide affordable, flexible coverage for your team. Save money now.

January 27, 2026 Read more
What is a QSEHRA? A Simple Guide for Employers
Employee Benefits & Retention

What is a QSEHRA? A Simple Guide for Employers

A QSEHRA lets small businesses offer tax-free funds for employee health costs. Understand the rules, limits, and benefits for your team. Start saving today.

January 26, 2026 Read more
Who Is Not Eligible for COBRA? 7 Key Exclusions Explained
Compliance & Regulations

Who Is Not Eligible for COBRA? 7 Key Exclusions Explained

Not everyone qualifies for COBRA continuation coverage. Learn the 7 key reasons you may be excluded — including company size, gross misconduct, and Medicare enrollment.

January 23, 2026 Read more
9 Strategies for Renewing Group Health Insurance
Business Health Insurance

9 Strategies for Renewing Group Health Insurance

Control your group health insurance renewal costs with proven strategies for comparing plans, finding tax credits, and managing rate hikes. Build a better plan now.

January 22, 2026 Read more
HRA Guide: What If Diagnoses Aren't Documented?
Employee Benefits & Retention

HRA Guide: What If Diagnoses Aren't Documented?

What happens if HRA diagnoses aren't documented in Health 360? Our guide explains the process, data flow, and how to ensure accuracy. Get your answers now.

January 21, 2026 Read more
Is a Self-Funded Health Plan Right for You?
Business Health Insurance

Is a Self-Funded Health Plan Right for You?

A self-funded health plan can lower costs and give you control over benefits. Learn the pros, cons, and risks for Washington businesses. Get expert guidance.

January 16, 2026 Read more
From Reading to Talking

Insight is useful. A conversation is better.

Reading about the options is a fine start — but the real value comes from applying them to your plan. Book a thirty-minute conversation and we'll diagnose before we prescribe, with your numbers in front of us.

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Washington employers · 10–200 employees