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Group Health Premiums on the Rise: What Employers Need to Know

By |2025-09-08T16:36:30+00:00September 8th, 2025|Blog, Employee Benefits, Trending|

In 2025, rising group health premiums are becoming a central concern for employers. Carriers like UnitedHealth, Anthem, and CVS Health have issued projections showing significant cost increases—driven by escalating claims severity, specialty drug costs, and continued labor shortages across provider networks.

SECURE 2.0 Implementation: A New Era in Retirement Planning

By |2025-09-08T16:34:58+00:00September 5th, 2025|Blog, Employee Benefits|

The SECURE 2.0 Act, passed in late 2022 and now in active rollout through 2025, is reshaping the landscape of workplace retirement planning. Designed to expand access, modernize plan design, and improve financial preparedness, the law introduces over 90 new provisions—many of which are now surfacing in HR departments across the country.

2026 Employer Mandate Update

By |2025-08-18T20:27:12+00:00August 14th, 2025|Blog, Employee Benefits, Trending|

In July 2025, the IRS released new guidance increasing both the affordability percentage and penalty amounts under the Affordable Care Act’s employer mandate for the 2026 plan year. These changes will affect how Applicable Large Employers (ALEs) determine affordability and assess compliance risk moving into the next benefits cycle.

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New Compliance Rules Ahead: What the OBBB Means for Your Benefits Team

By |2025-08-06T15:41:04+00:00August 6th, 2025|Blog, Employee Benefits, Trending|

Signed into law by President Trump on July 4th, the “One Big Beautiful Bill” (OBBB) is already making waves in tax policy and Social Security headlines. But for employee benefits administrators, the bill quietly ushers in key updates that will reshape plan design, compliance, and employee communication in the months ahead.

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Putting HR Technology to Work: How INSURICA Clients Gain an Edge with OutSail

By |2025-08-01T13:49:42+00:00July 31st, 2025|Blog, Employee Benefits, Trending|

Payroll errors that hit the general ledger, open-enrollment portals that freeze at midnight, new hires juggling four log-ins on day one - when HR technology falters, the ripple effects reach every corner of the organization. Yet most employers still rely on a patchwork of legacy systems chosen under deadline pressure.

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Mental Health Parity Requirements are Still in Full Force—Even as New Federal Rules are Temporarily on Hold

By |2025-07-22T16:31:18+00:00July 21st, 2025|Blog, Employee Benefits, Trending|

In May 2025, the Departments of Labor, Health and Human Services, and the Treasury announced a temporary pause in enforcement of the 2024 final rule under the Mental Health Parity and Addiction Equity Act (MHPAEA), following a legal challenge brought by an employer coalition. This enforcement pause gives the agencies time to reexamine certain provisions and consider future revisions through the regulatory process.

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Flexible Compensation: A Necessary Evolution

By |2025-07-08T16:28:14+00:00July 8th, 2025|Blog, Employee Benefits|

In today’s fast-evolving job market, flexible compensation is redefining how companies attract and retain talent. Traditional pay structures, once seen as stable and predictable, are now losing appeal, particularly among younger professionals who prioritize personalized benefits over rigid salary scales. While flexible compensation models have gradually emerged since the early 2000s, the post-pandemic work era has rapidly accelerated their adoption—driven by shifting workforce expectations, economic volatility, and the rise of remote work and gig employment.

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Balancing Employee Wellbeing and Financial Pressures

By |2025-07-08T16:42:07+00:00July 7th, 2025|Blog, Employee Benefits|

In today’s economic climate, businesses are facing rising costs and inflationary pressures, leading to a fundamental reassessment of employee benefits programs. While mental health and wellbeing initiatives remain a priority for employers, there is a growing demand for measurable impact and cost-efficient solutions rather than superficial perks. As companies strive to balance budget constraints with competitive benefits, the future of workplace wellness is shifting toward strategic, high-value programs that support employee health without breaking financial sustainability.

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How Businesses Are Using Data Analytics to Optimize Employee Benefits Engagement

By |2025-07-08T16:53:48+00:00July 6th, 2025|Blog, Employee Benefits|

In today’s competitive job market, businesses are increasingly leveraging data analytics to enhance employee benefits engagement, ensuring that workers fully utilize available resources. Traditional benefits programs often suffer from low participation rates due to lack of awareness, complexity, or misalignment with employee needs. By integrating data-driven insights, companies can personalize benefits offerings, improve communication strategies, and maximize employee satisfaction while optimizing costs.

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Preventive Care Incentives: Investing in Long-Term Savings

By |2025-06-06T15:05:58+00:00June 6th, 2025|Blog, Employee Benefits|

Preventive healthcare programs are proving to be one of the most effective cost-saving strategies for employers. By encouraging regular screenings, wellness programs, and chronic disease management, companies can reduce hospitalizations and emergency care costs.

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