We’ve all been there. You’re at the pharmacy or the doctor’s office, you hand over your insurance card, and then you wait. You wait for an approval, you wait for a claim to process, or you wait for someone [...]
In the automotive and fleet world, we live by a simple rule: preventive maintenance saves money. You wouldn’t dream of running a heavy-duty truck for 50,000 miles without an oil change or ignoring a "check engine" light on a diagnostic rack. [...]
The 2025 Reality: Why Off-the-Shelf Plans Aren't Working Every year, the renewal notice arrives with a painful rate increase. For small and mid-sized businesses, this has become the single largest budget threat. The root of the problem? Most companies [...]
Every year, business owners walk into their health insurance renewal meetings expecting a fair review, and walk out facing another unexplained increase. This year, change that. Instead of nodding through another presentation from your broker, take control with these [...]
The Hidden Cost of Waiting Until Fall for Health Insurance Renewal Employee benefits have become one of the largest line items on an employer's budget but also one of the most strategic. Learn more about NARFA’s history and mission [...]
If you have opened your renewal letter and seen your health insurance premiums jump, it can feel especially frustrating when your business has had good claims experience. Many small employers get grouped into larger community rated pools. If the [...]
The Numbers Don't Lie: Healthcare Costs Are Exploding A new KFF report confirms what NARFA members already suspected: healthcare premiums are spiking 15% in 2026—the largest increase since 2018. Worse yet, 27% of insurers are requesting increases of 20% or more. For small [...]
Picture a successful New Hampshire automotive dealership that starts with a single location in Manchester. Over time, they expand their service territory, hire employees who live across the Massachusetts border, and eventually open a second location in the Bay [...]
Introduction: A Game-Changer for Healthcare Financial Planning The 2025 federal budget reconciliation bill, recently passed by the House, introduces the most significant expansions to Health Savings Accounts (HSAs) since their creation in 2003. These changes could provide more incentives [...]
The Growing Challenge of Healthcare Costs for Businesses For businesses in the automotive, roads, and fuel industries, and businesses with 5 or more vehicles, managing employee healthcare costs has become increasingly challenging. According to recent data, employer healthcare costs [...]
