If your health plan renews on January 1, the real work starts now, not when the renewal letter lands. The paperwork may be a month or two away, but the fall is when a prepared business owner starts digging [...]
The goal of any benefits package is to provide security and value. Yet, in many businesses, employees feel more confused than supported. When your team doesn't understand their coverage, they don't value the investment you're making. Nowadays, the most [...]
In the automotive, roads, fuel, or fleet industries, a workers’ compensation claim can affect more than one employee. It can disrupt production, strain supervisors, pull attention away from operations, and create unnecessary costs if it is not handled well [...]
It happens every year. Your renewal notice arrives with a double-digit increase, and your broker, who probably hasn’t been seen since last year’s enrollment, gives you two choices: absorb the hit or in some cases, suggests you jump ship [...]
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. Waiting until fall to begin evaluating options [...]
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 [...]
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 [...]
The Evolving Health Benefits Landscape for Essential Businesses The conversation around employee health benefits has traditionally centered on a single metric: premium costs. However, forward-thinking businesses across America's essential industries are discovering that alternative health plan designs deliver [...]
