INSURICA Employee Benefits Insights

Keeping you ahead of the risks and challenges unique to your industry.

November 2022
IN THIS ISSUE

Inflation Reduction Act (IRA): Healthcare Provisions Employers Should Know

What to Consider When Choosing a Health Benefits Account

Rising Healthcare Costs Compel Employers to Prioritize Plan Affordability

Hearing Health Should Be a Top Priority

“According to the Kaiser Family Foundation, approximately 156,199,800 Americans receive health benefits via employer-sponsored plans.

What to Consider When Choosing a Health Benefits Account
ARCHIVES

How to Use Benefits to Improve Talent Acquisition and Retention

Survey Finds Changes in Benefits Priorities

Employers Focus on Well-Being as Workers Return to Work

FEATURED ARTICLE

Inflation Reduction Act (IRA): Healthcare Provisions Employers Should Know

President Joe Biden signed the Inflation Reduction Act (IRA) into law on August 16, following House and Senate passage.

FEATURED ARTICLE

What to Consider When Choosing a Health Benefits Account

According to the Kaiser Family Foundation, approximately 156,199,800 Americans receive health benefits via employer-sponsored plans.

FEATURED ARTICLE

Rising Healthcare Costs Compel Employers to Prioritize Plan Affordability

As healthcare benefits costs continue to rise, 67% of U.S. employers are focused on cost control over the next three years. This is in response to an expected 6% increase in healthcare costs in 2023, compared to the average 5% increase this year.

FEATURED ARTICLE

Hearing Health Should Be a Top Priority

Health benefits are a top priority for most employers, but hearing health is often overlooked.

Related Articles
  • 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.

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

September 8th, 2025|0 Comments

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.

  • 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.

SECURE 2.0 Implementation: A New Era in Retirement Planning

September 5th, 2025|0 Comments

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

August 14th, 2025|Comments Off on 2026 Employer Mandate Update

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.