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Everything we have written, in one place.
Everything we have published on how employer coverage actually works — what moves a renewal, what the law requires of you, and what to ask before you sign anything. Search it, or narrow it to the part of the problem you are in. Start with our health and cost strategy to see how the pieces fit together.
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2026 and 2027 HDHP Limits and HSA Contribution LimitsSpecialty advisory · Compliance
2026 HSA and FSA Contribution LimitsSpecialty advisory
A Guide to Group Health Insurance Tax CreditsFunding & cost
Accident Insurance for EmployeesPeople & total rewards
Benefit Plan BenchmarkingSpecialty advisory
Benefits Administration Software and HR Technology Integration: How to Streamline Employee Benefits SystemsAdministration & technology · People & total rewards
Benefits Administration Software: Unlocking Efficiency in HR Technology for Streamlined Employee Benefits ManagementAdministration & technology · People & total rewards
Benefits Administration Solutions and HR Technology for EmployersAdministration & technology · People & total rewards
Best Group Health Insurance Providers in MichiganChoosing coverage
Best Group Health Insurance Providers in Michigan for Mid-Size Companies: Comprehensive Guide to Employer Health Benefits and Cost-Effective PlansChoosing coverage
Best Insurance Brokers for Policy ComparisonsChoosing coverage
Big employers are cutting health benefits for 2027Funding & cost
Book a Free Employee Benefits ConsultationChoosing coverage
Bridging Employer Health Insurance Gaps: Identifying and Resolving Coverage Issues for Effective Employee BenefitsChoosing coverage
Bridging the Benefits Literacy GapPeople & total rewards
Cash in Lieu of Benefits: Is It Still Allowed?Compliance · People & total rewards
CFH Insurance: Michigan HMO, PPO & EPO Group Health Plans ComparedChoosing coverage
Complete Guide to Transitioning Your Company from Fully-Insured to a Self-Funded Health Plan: Benefits, Costs, and ComplianceFunding & cost · Compliance
Comprehensive Benefits Administration Services in Michigan for Small Businesses and EmployersAdministration & technology
Comprehensive Construction Benefits in Michigan: Small Business Health Insurance and Employee Coverage SolutionsChoosing coverage
Comprehensive Guide to HR Benefits Technology Michigan and Employee Benefits SoftwareAdministration & technology
Comprehensive HR Benefits Benchmarking for Michigan Companies with 50–500 Employees: Middle Market Employee Benefits Analysis and StrategySpecialty advisory
Contractor Employee Benefits MichiganChoosing coverage
Creative Company Benefits Ideas for 2026: Innovative Perks to Boost Employee RetentionPeople & total rewards
Critical Illness Insurance for EmployeesPeople & total rewards
Dependent Care FSA Eligible Expenses: What Counts in 2026Specialty advisory
Detroit Metro Employee Benefits GuideChoosing coverage
Direct Primary Care for Employers: What It Costs, What the Evidence Shows, and When It FitsFunding & cost
East Central Michigan Employee Benefits GuideChoosing coverage
East Michigan and the Thumb Employee Benefits GuideChoosing coverage
Eliminating Enrollment Errors with Real-Time Carrier API Integrations: Benefits and Best Practices for Insurance Enrollment AutomationAdministration & technology
Employee Benefits Broker Detroit MIChoosing coverage
Employee Benefits Broker in MichiganChoosing coverage
Employee Benefits Consulting in Farmington Hills: How to Choose the Best Group Health Plans and AdvisorsChoosing coverage
Employee Benefits Consulting in MichiganChoosing coverage
Employee Benefits Consulting Services for EmployersChoosing coverage
Employee Benefits Cost Containment StrategiesFunding & cost
Employee Benefits Cost Control: Strategic Benefits Design for Mid-Market Employers to Stay CompetitiveFunding & cost
Employee Benefits Enrollment: Essential Open Enrollment Planning and Communication StrategiesAdministration & technology
Employee Benefits for Battle Creek Employers: Competing on Benefits in a Company TownChoosing coverage
Employee Benefits for Port Huron Employers: Seasonal, Cross-Border and On-the-Road WorkforcesChoosing coverage
Employee Benefits Grand Rapids MichiganChoosing coverage
Employee Benefits Michigan Guide: A Complete Resource for Small & Mid-Sized EmployersChoosing coverage
Employee Benefits Optimization Strategies for MichiganFunding & cost
Employee Benefits Overview Michigan Employers: ACA Compliance, Healthcare Mandates, Level-Funded Plans, and Employee Retention StrategiesChoosing coverage
Employee Benefits Risk ManagementChoosing coverage
Employee Benefits Saginaw: A Definitive Guide to Employer Health Insurance and Benefits in Saginaw and the Great Lakes Bay RegionChoosing coverage
Employee Benefits Strategy Consulting for MichiganChoosing coverage
Employee Benefits Trends Michigan Employers Should Watch in 2026Choosing coverage
Employee Communications: A Complete Guide for Benefits EngagementPeople & total rewards
Employee Group Life and Disability Insurance in Michigan: Protecting Your Workforce with Compliant Employer PlansChoosing coverage
Employee Health Insurance ConsultingChoosing coverage
Employee Health Insurance Costs vs. Benefits ExplainedFunding & cost
Employee Wellness Programs: A Complete Guide for EmployersSpecialty advisory
Employer Adoption Assistance ProgramsPeople & total rewards
Employer Student Loan Repayment and Tuition ReimbursementPeople & total rewards
Excepted Benefit HRA (EBHRA)Funding & cost
FMLA Rules for EmployersCompliance
Group Benefits Administration for Small Businesses | CFH Insurance ConsultantsAdministration & technology
Group Benefits Benchmarking: Michigan Cost AnalysisSpecialty advisory
Group Benefits Benchmarking: What Michigan Employers Need to KnowSpecialty advisory
Group Dental Insurance for Small Businesses: A Buyer’s GuideSpecialty advisory
Group Employee Dental and Vision Insurance for Michigan EmployersSpecialty advisory
Group Health Captives for Michigan EmployersFunding & cost
Group Health Insurance Flint Employers Trust: Affordable Plans & Employee Benefits ExplainedChoosing coverage
Group Health Insurance for Jackson Employers: Comprehensive Employee Benefits and Coverage OptionsChoosing coverage
Group Health Insurance for Michigan BusinessesChoosing coverage
Group Health Insurance for Sterling Heights EmployersChoosing coverage
Group Health Insurance Michigan Small BusinessChoosing coverage
Group Health Insurance Plans for Michigan EmployersChoosing coverage
Group Health Insurance Plans for Small and Mid-Size BusinessesChoosing coverage
Group Health Insurance Solutions for Romulus & Detroit Metro Airport Logistics Employers: Small Business Health Coverage and Employee BenefitsChoosing coverage
Group Health Insurance vs Individual PlansFunding & cost
Group Life Insurance: A Buyer’s Guide for Michigan EmployersChoosing coverage
Group Vision Insurance: A Buyer’s Guide for Michigan EmployersChoosing coverage
Health Plan Funding Options Compared: Fully Insured, Level-Funded, Self-Funded and CaptiveFunding & cost
Hospital Indemnity Insurance for Michigan EmployeesPeople & total rewards
How a Group Health Insurance Broker Can Help Your Michigan BusinessChoosing coverage
How AI Employee Benefits Administration is Transforming Employee Benefits in 2026Administration & technology
How Carrier Drug Lists Differ by Group SizeFunding & cost
How CFH’s Transparent Pricing Model Enhances Employee Benefits Broker Fees in MichiganFunding & cost
How Does CFH Insurance Compare to Other Brokers in Michigan for Employee Benefits Insurance Pricing?Funding & cost
How Employee Benefits Drive Talent Attraction and Retention in 2026People & total rewards
How Group Health Insurance Works for EmployersChoosing coverage
How Michigan Employers Can Cut Pharmacy Costs Without Reducing Benefits Using Pharmacy Benefit Management StrategiesFunding & cost
How Mid-Market Employers Use ICHRA Tax Benefits to Cut Benefits Costs Without Cutting CoverageCompliance
How to Calculate Your Health Insurance PremiumsFunding & cost
How to Choose the Right Group Health Insurance Provider: A Complete Guide to Group Health Insurance Plans and BenefitsChoosing coverage
How to Estimate Employee Health Insurance CostsFunding & cost
How to Save on Employee Health Insurance Costs: Effective Plans and Benefits StrategiesFunding & cost
How to Select the Best Benefits Administration System for Your Michigan Business: A Complete Guide to Employee Benefits SoftwareAdministration & technology
HRA vs. HSA vs. FSA: Choosing the Right Tax-Advantaged Account for Your Michigan BusinessSpecialty advisory
Implementing a Narrow Network Health InsuranceSpecialty advisory
insurance consultingChoosing coverage
Mental Health Benefits for Employees: What Every Employer Needs to KnowSpecialty advisory
Michigan Employee BenefitsChoosing coverage
Michigan Health Insurance MandatesCompliance
Michigan Sick Leave Law 2024Compliance
Navigating Health and Benefits ConsultingChoosing coverage
Northeast Michigan Employee Benefits GuideChoosing coverage
Northwest Michigan Employee Benefits GuideChoosing coverage
Offering Group Health Insurance With No Employer Contribution: A Guide for Businesses With 2-50 EmployeesChoosing coverage
Open Enrollment Communications: Effective Employee Benefits Open Enrollment Strategies for Successful EnrollmentAdministration & technology
PCORI Fees: What Employers Owe, and WhenCompliance
Preventive Care and Wellness Incentives: How Employee Wellness Programs Reduce Healthcare CostsSpecialty advisory
QSEHRA Health Insurance Detroit — Small Employer GuideFunding & cost
QSEHRA vs. ICHRA: Choosing the Right Health Reimbursement Arrangement for Your Growing BusinessCompliance
Qualified Health Coverage (QHC) LettersCompliance
Short-Term Disability Insurance for Employers: Coverage, Costs, and ComplianceCompliance · Specialty advisory
Short-Term vs. Long-Term Disability Insurance in Michigan: Designing a Comprehensive Income Protection Plan for Your TeamChoosing coverage
Should Michigan Employers Cover GLP-1 Drugs Like Ozempic? A Cost-Benefit Analysis for 2026Funding & cost
Should You Use a PEO? The Real Advantages, the Pitfalls, and What It Takes to LeaveAdministration & technology
Small Business Benefits Michigan: Essential Employee Health and Insurance SolutionsChoosing coverage
Small Business Employee BenefitsChoosing coverage
Small Business Group Benefits Packages in MichiganChoosing coverage
South Central Michigan Employee Benefits GuideChoosing coverage
Southeast Michigan Employee Benefits GuideChoosing coverage
Southwest Michigan Employee Benefits GuideChoosing coverage
Strategic Benefits Benchmarking for Middle Market Firms: How to Attract Top Talent and Control Employee Benefits CostsPeople & total rewards · Specialty advisory
Term vs. Whole Life Insurance: Which Is Right for You in 2026?Specialty advisory
The Best Health Insurance Options for Michigan EmployersChoosing coverage
The Complete Employer Guide to Self-Funded Health Plans: Strategy, Stop-Loss Insurance Benefits, Cost Containment, and ComplianceFunding & cost · Compliance
The Michigan PBM Audit GuideCompliance
The True Cost of Offering Employee Health Insurance: Understanding Employer Expenses and BenefitsFunding & cost
Top Employee Benefits Consultants in Michigan: What They Do and How to Choose the Right OneChoosing coverage
Trend BendersFunding & cost
Understanding Average Group Health Insurance CostsFunding & cost
Understanding Employee Health Insurance Options for Your BusinessChoosing coverage
Understanding Group Health Insurance Benefits for EmployersChoosing coverage
Understanding Group Health Insurance Plans for EmployeesChoosing coverage
Upper Peninsula Employee Benefits GuideChoosing coverage
West Michigan Employee Benefits GuideChoosing coverage
What Are Customizable Group Health Insurance Solutions?Choosing coverage
What Are the Best Employee Benefit Plans? Comprehensive Guide to Employee Benefits Packages and Health Insurance Benefits for EmployeesChoosing coverage
What Are the Best Employee Health Insurance Plans? Complete Guide for Michigan EmployersChoosing coverage
What Employers Should Know About Employee Health InsuranceChoosing coverage
What Factors Should I Consider When Choosing a Health Insurance Provider for My Business?Choosing coverage
What Is a Taft-Hartley Health Fund? A Complete Guide to Multi-Employer Health Plans and Union Health and Welfare FundsFunding & cost
What Is an HMO? How HMO Health Plans Work, in Plain EnglishChoosing coverage
What Is an HSA? A Plain-English Guide for Employers and EmployeesFunding & cost · Compliance
What Is Employee Benefits Consulting and Why Employers Need ItChoosing coverage
What Is Employee Health Insurance and Why It MattersChoosing coverage
What Is QSEHRA? A Comprehensive Small Business Guide to Qualified Small Employer HRAs and BenefitsFunding & cost
What Is the Gag Clause Attestation?Compliance
What to Consider When Choosing Group Health Insurance: Employee Options and Affordable Business CoverageChoosing coverage
Why CFH’s Personalized Service Outshines Larger Consulting Firms in Employee Benefits ManagementChoosing coverage
Why Middle Market Companies Are Losing Top Talent to Competitors with Better Employee Benefits PackagesPeople & total rewards
Financial Wellbeing Through Your BenefitsPeople & total rewards
Benefits for a Multigenerational WorkforcePeople & total rewards
On-Site and Near-Site Health Clinics for EmployersPeople & total rewards
Point Solutions Vs. Consolidating Vendors: How to Decide What StaysChoosing coverage
Benefits Navigation and AdvocacyPeople & total rewards
What Employers Should DoCompliance
ERISA Standing DefenseCompliance
Tobacco Surcharge LawsuitsCompliance
Prescription Drug Fiduciary LawsuitsFunding & cost
Mental Health Parity Rule PausePeople & total rewards
Spencer V. Campbell Soup RulingCompliance
Williams V. Target RulingCompliance
Stern V. JPMorgan Chase RulingFunding & cost
Lewandowski V. Johnson & Johnson RulingCompliance
Navarro V. Wells Fargo RulingFunding & cost
Kennedy V. Braidwood RulingCompliance
How to Fix a Late Form 5500Compliance
Small Welfare Plan ExemptionCompliance
Who Pays the Form 5500 PenaltyAdministration & technology
Form 5500 Extension and PenaltiesCompliance
DOL Notice Ends EligibilityCompliance
Who Cannot Use the DFVCPCompliance
DFVCP Penalty CapsCompliance
IRS Form 5500 PenaltyCompliance
DOL Form 5500 PenaltyCompliance
Form 5500 EFAST2 Electronic FilingCompliance
Form 5500 Due DateCompliance
Who Must File Form 5500Compliance
How to Fix a Late ACA FilingCompliance
Employer Mandate Penalty 4980H(b)Compliance
Employer Mandate Penalty 4980H(a)Compliance
ACA Penalty: Intentional DisregardCompliance
ACA Penalty: Corrected by August 1Compliance
ACA Penalty: Corrected Within 30 DaysCompliance
Does a Benefits Broker Give Legal Advice?Choosing coverage
Will a Smaller Group Change Our Renewal?Choosing coverage
Does a Layoff Trigger COBRA?Compliance
Attorney and Broker Roles After a LayoffChoosing coverage
Layoff Benefits Deadlines CalendarCompliance
One Source of Records After a LayoffCompliance
Right-Sizing the Group Health PlanCompliance
Clean Termination Data After a LayoffCompliance
ACA Counts and Reporting After a LayoffCompliance
Carrier Terminations After a LayoffCompliance
COBRA Notices After a LayoffCompliance
Organ Transplant Coverage in Employer PlansFunding & cost
Voluntary Dental and Vision PlansSpecialty advisory
Chiropractic and Acupuncture CoverageChoosing coverage
Orthodontia Coverage in Group Dental PlansSpecialty advisory
DATUM: the Five-Stage Renewal Process We Repeat Every YearChoosing coverage
Benefits Indicators to Review All Year, Not Just at RenewalChoosing coverage
Held-Census Repricing: Compare Renewals Like for LikeChoosing coverage
What Employers Want From a Benefits Broker: ProofChoosing coverage
ADA and Employee Benefits: Health Plans, Leave and WellnessPeople & total rewards
Benefits for ESOP and Employee-Owned CompaniesChoosing coverage
Medicare Section 111 Reporting for Group Health PlansSpecialty advisory
Tuition Reimbursement Policy DesignCompliance
IBNR and Claims Reserves for Self-Funded Employers.Funding & cost
Partially Self-Funded and Hybrid Health Plans.Funding & cost
Health FSA COBRA Rules: Employer GuideCompliance
Voluntary Benefit Premiums: Pre-Tax or After-Tax Employer GuideSpecialty advisory
EAP Excepted Benefit Rules: Employer GuideChoosing coverage
ERISA Voluntary Benefit Safe Harbor: Employer GuideSpecialty advisory
Employer Group Waiver Plans (EGWPs) for Retiree Medicare CoverageSpecialty advisory
HDHP Preventive Care and Telehealth Safe HarborsChoosing coverage
COBRA Disability Extension: 29 Months of CoverageSpecialty advisory
Marketplace Coverage Options Notice for New HiresChoosing coverage
Transparency in Coverage Price Comparison Tool for Employer PlansAdministration & technology
Retiree Health Benefits: Accounting, Funding and Tax BasicsSpecialty advisory
Retiree Health Benefits: Confirming the Right to ChangeSpecialty advisory
Retiree Health Benefits, Age Rules and Medicare CoordinationSpecialty advisory
Group Medicare Advantage for Retirees: Employer GuideSpecialty advisory
Retiree Health Benefits: Handbooks and Retirement CommunicationsSpecialty advisory
Retiree Health Benefits in Individual Agreements and SeveranceSpecialty advisory
Retiree Health Benefits: How Courts Read Plan DocumentsSpecialty advisory
Retiree Health Benefits: No Automatic Vesting Under ERISASpecialty advisory
HIPAA Marketing and Psychotherapy NotesCompliance
Technology and Software Companies: Benefits for Remote, Fast-Growing TeamsAdministration & technology
Agriculture and Farm EmployersChoosing coverage
MEWA and Form M-1 Basics for EmployersCompliance
Clinical Trial Coverage for Employer Health PlansPeople & total rewards
QMCSO Alternate Recipient RightsCompliance
Which Plans Must Honor QMCSOsCompliance
Medical Support Withholding and Payroll LimitsAdministration & technology
Supplemental Insurance for EmployersPeople & total rewards
Group Medical Gap PlansSpecialty advisory
Newborns’ Act and WHCRACompliance
HIPAA and Workplace Wellness Programs: When the Rules ApplyPeople & total rewards
24/7 Nurse Lines by CarrierCompliance
Blue Care Network 24/7 Nurse LineCompliance
Alliance Health and Life 24/7 Nurse Line for EmployeesSpecialty advisory
Paramount Health Care 24/7 Nurse Access for EmployeesChoosing coverage
Humana 24-Hour Nurse Line for EmployeesCompliance
HAP 24/7 Nurse Access for EmployeesChoosing coverage
Aetna 24/7 Nurse Line for EmployeesCompliance
Cigna 24/7 Nurse Line for EmployeesCompliance
What Does EE Only Mean? Enrollment Tiers ExplainedChoosing coverage
Broker of Record LetterChoosing coverage
Small Business Dental Insurance in MichiganSpecialty advisory
Small Business Health Insurance Broker in MichiganChoosing coverage
Form 5500 Late Filing Penalty ExamplesCompliance
IRS Letter 226-J ExplainedCompliance
Humana Whole Person Care for Group Medicare RetireesSpecialty advisory
Humana Care Management for Chronic ConditionsChoosing coverage
McLaren Stop Smoking ProgramCompliance
McLaren Miracles Pregnancy ProgramCompliance
McLaren Sickle Cell Disease ProgramChoosing coverage
McLaren Weight Management: Taking It OffCompliance
McLaren Down with Hypertension ProgramChoosing coverage
Cigna Pathwell Bone & Joint Program ExplainedChoosing coverage
Cigna Cancer Support Program ExplainedCompliance
Cigna Health Advisor Coaching ExplainedChoosing coverage
Aetna Community Care Program ExplainedCompliance
Aetna One Advocate and Advisor ExplainedChoosing coverage
Aetna One Care Management ExplainedCompliance
Aetna Disease Management Program ExplainedChoosing coverage
HAP Antidepressant Medication ManagementCompliance
HAP Palliative Care and Hospital at HomeCompliance
HAP Maternity Care Management ExplainedCompliance
HAP Diabetes Prevention Program ExplainedChoosing coverage
HAP Care Management Program ExplainedCompliance
HAP Diabetes Care Connection ExplainedCompliance
Priority Health PriorityMOM Pregnancy ProgramChoosing coverage
Priority Health Virta for Type 2 DiabetesChoosing coverage
BCBSM Kidney Care with Strive HealthCompliance
BCBSM Home Biometric Monitoring with AMC HealthChoosing coverage
UnitedHealthcare Wellness and Rewards ProgramsPeople & total rewards
UnitedHealthcare Kidney and Cancer Resource ServicesChoosing coverage
UnitedHealthcare Naviguard and LGBTQ+ ResourcesPeople & total rewards
UnitedHealthcare Mental Health and Substance UsePeople & total rewards
UnitedHealthcare Condition Management ProgramsChoosing coverage
UnitedHealthcare Quit for Life and WellosSpecialty advisory
Priority Health Cost Tools and Care ManagementAdministration & technology
Priority Health Fitness, Perks and DiscountsChoosing coverage
Priority Health Opt-In and Rider ProgramsChoosing coverage
McLarenNow Virtual Care and KSP PharmacyFunding & cost
McLaren Preventive and Behavioral HealthCompliance
McLaren Health Care Events and WellnessChoosing coverage
McLaren Self-Management Tools for EmployersAdministration & technology
McLaren Health Plan Funding and WellnessCompliance
Humana Go365 for Medicare and MedicaidSpecialty advisory
Humana Go365 Customization for EmployersCompliance
Humana Go365 Whole-Person ResourcesCompliance
Humana Go365 Incentive Design ExplainedChoosing coverage
Humana Go365 Workplace Wellness ExplainedPeople & total rewards
HAP Member Discounts and Fitness ProgramsChoosing coverage
HAP Wellness Wednesdays and Worksite EventsPeople & total rewards
HAP Reward Your Health Incentive ProgramCompliance
HAP Well-Being Consulting for EmployersCompliance
Cigna Integrated Medical, Pharmacy, BehavioralFunding & cost
Cigna Pathwell Bone and Joint ProgramCompliance
Cigna Employee Assistance Program for EmployersChoosing coverage
Cigna Healthy Rewards Discounts ExplainedChoosing coverage
Well-Being Plus and Custom Well-BeingCompliance
Blue Cross Well-Being for EmployersCompliance
Aetna Chronic Condition and Cancer SupportChoosing coverage
Aetna Menopause Support for EmployersCompliance
Aetna Maternity Support and Maven OptionCompliance
Aetna Well-Being Consultants and AwardChoosing coverage
Aetna Flexible Well-Being Program DesignCompliance
Michigan Wellness Program Premium RebatesPeople & total rewards
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Sources
Where the Rules Come From.
The laws and rules named on this page link to the statute or regulation they come from. This is general information, not legal or tax advice, and rules change, so check the current text.
ERISA (29 U.S.C. Chapter 18)
The federal law that sets reporting, disclosure and fiduciary rules for employer-sponsored benefit plans.
COBRA Continuation Coverage (29 U.S.C. 1161)
Requires many group health plans to offer temporary continuation coverage after a qualifying event.
Affordable Care Act (Public Law 111-148)
The 2010 health reform law, with later amendments, behind employer coverage, reporting and market rules.
ACA Reporting (26 U.S.C. 6056)
The statute behind employer reporting of offers of coverage on Forms 1094-C and 1095-C.
Family and Medical Leave Act (29 U.S.C. Chapter 28)
Job-protected leave and group health coverage continuation for eligible employees.
Cafeteria Plans (26 U.S.C. 125)
The tax code section that lets employees pay certain benefit premiums before tax.
Health Savings Accounts (26 U.S.C. 223)
Tax rules for health savings accounts paired with qualifying high-deductible health plans.
Creditable Prescription Coverage (42 CFR 423.56)
Defines creditable coverage for Medicare Part D disclosure and notice rules.
Michigan Earned Sick Time Act (MCL 408.961)
Michigan law on paid sick time accrual, use and notice.
Questions We Get
What people ask about the article library.
Four plain answers about what we have published.
What is in the article library?
Everything we have published on how employer coverage works: what moves a renewal, what the law requires of you, and what to ask before you sign anything.
Which laws do the articles cover?
Topics include ERISA, COBRA, the Affordable Care Act and ACA reporting, the Family and Medical Leave Act, cafeteria plans, health savings accounts, creditable prescription coverage and the Michigan Earned Sick Time Act.
Are the articles legal advice?
No. They are general information. Plan specific questions belong with your attorney or ERISA counsel, and we will bring them in.
What if I cannot find my question?
Send it to us. If the answer is not in the library, we will point you to the right guide.
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Send us your renewal.
We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.
What to send
The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
Four documents — two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.
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