Insights

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.

Start here

Where we'd start.

If you read one thing before your next renewal, make it this one.

Why Your Renewal Increase Usually Isn't About Your Claims
Renewals

Why Your Renewal Increase Usually Isn't About Your Claims

Every year the rate climbs and the explanation sounds the same — high claims, an aging workforce, the market. The real story is usually somewhere else entirely, and once you see it, the increase stops feeling inevitable.

June 30, 2026 Read the article
The Archive

Everything from the desk.

Practical reads on benefits, funding, compliance and the questions Washington employers ask us most.

Employee Benefits for Law Firms Washington Guide
Employee Benefits & Retention

Employee Benefits for Law Firms Washington Guide

Schedule a benefits strategy consultation. Explore employee benefits for law firms Washington employers can use to compete for specialized talent.

June 23, 2026 Read more
Employee Benefits for Restaurant Employees Washington Guide
Employee Benefits & Retention

Employee Benefits for Restaurant Employees Washington Guide

Get practical employee benefits for restaurant employees Washington guidance to control costs, cover variable-hour teams, improve retention, and plan well.

June 22, 2026 Read more
Employee Benefits for Washington Manufacturers
Employee Benefits & Retention

Employee Benefits for Washington Manufacturers

Build a benefits strategy for your Washington manufacturing workforce that supports cost control, retention, and employees across every shift.

June 22, 2026 Read more
Mental Health Parity Compliance Employer Health Plan
Compliance & Regulations

Mental Health Parity Compliance Employer Health Plan

Schedule a benefits review for your mental health parity compliance employer health plan, with practical renewal questions and documentation steps.

June 19, 2026 Read more
Medicare Part D Creditable Coverage Notice Employer
Compliance & Regulations

Medicare Part D Creditable Coverage Notice Employer

Get a clear Medicare Part D creditable coverage notice employer workflow, deadlines, recipient guidance, and white-glove support from WHIA.

June 18, 2026 Read more
PCORI Fee Self-Funded Health Plan Guide for Employers
Compliance & Regulations

PCORI Fee Self-Funded Health Plan Guide for Employers

Schedule a benefits strategy conversation about your PCORI fee self-funded health plan responsibilities, annual calendar, and adviser coordination.

June 18, 2026 Read more
Gag Clause Prohibition Compliance Attestation Guide
Compliance & Regulations

Gag Clause Prohibition Compliance Attestation Guide

Talk to WHIA about gag clause prohibition compliance attestation duties, vendor requests, annual filing steps, and transparent health plan contracts.

June 17, 2026 Read more
RxDC Reporting Requirements for Employers
Compliance & Regulations

RxDC Reporting Requirements for Employers

Contact WHIA for RxDC reporting requirements for employers, vendor coordination steps, and an annual checklist for Washington plan sponsors.

June 17, 2026 Read more
ERISA Fiduciary Responsibilities Health Plan Guide
Compliance & Regulations

ERISA Fiduciary Responsibilities Health Plan Guide

Schedule a benefits strategy consultation and learn ERISA fiduciary responsibilities health plan sponsors should document, monitor, and review.

June 16, 2026 Read more
Group Captive vs Level Funded Health Plan Comparison
Business Health Insurance

Group Captive vs Level Funded Health Plan Comparison

Schedule a plan comparison to see how a group captive vs level funded health plan differs in risk, cash flow, reporting, refunds, and employer fit today.

June 16, 2026 Read more
Dependent Eligibility Audit Health Plan Guide for Employers
Compliance & Regulations

Dependent Eligibility Audit Health Plan Guide for Employers

Talk to a Washington benefits advisor about a dependent eligibility audit health plan process that protects valid coverage and supports employees.

June 15, 2026 Read more
Section 125 Cafeteria Plan Washington Employer Guide
Compliance & Regulations

Section 125 Cafeteria Plan Washington Employer Guide

Schedule a benefits review for your Section 125 cafeteria plan Washington strategy, documents, testing, payroll, and employee communications.

June 15, 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.

Book a conversation
Washington employers · 10–200 employees