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How ICHRA is Stabilizing the ACA Marketplace

| ICHRA | No Comments
The Affordable Care Act (ACA) Marketplace is going through a transformation. What is influencing this long awaited change? The rise of Individual Coverage Health Reimbursement…

ICHRA and Technology Partners: A New Era of Health Benefits

| ICHRA | No Comments
The health insurance industry is evolving, and Individual Coverage Health Reimbursement Arrangements (ICHRA) are leading the charge. This shift towards a more flexible, personalized approach…

Embracing AI: A Game Changer for Health Insurance Brokers

| Brokers | No Comments
The health insurance industry is experiencing transformative changes. For brokers, Artificial Intelligence (AI) is not just reshaping how they operate - it's enhancing their capabilities…

The Future of Health Coverage: Predictions and Trends Involving ICHRA

| ICHRA | No Comments
The landscape of employee health coverage is continuously evolving, and Individual Coverage Health Reimbursement Arrangements (ICHRAs) are at the forefront of this transformation. As we…

The Evolution of Employee Health Benefits: How ICHRAs are Changing the Game

| ICHRA | No Comments
The introduction of ICHRAs marks a significant evolution in the sphere of employee health benefits. By blending flexibility, personalization, and employer affordability, ICHRAs represent a…

Navigating ICHRAs: A Step-by-Step Guide to Implementation and Management

| ICHRA | No Comments
In today’s dynamic work environment, adapting to innovative solutions like ICHRAs can significantly enhance a company’s ability to provide competitive and satisfying health benefits. With…

A Comprehensive ICHRA Guide for Employers and Employees

| ICHRA | No Comments
ICHRA continues to be the topic of conversation when it comes to provide health insurance benefits to employees. As healthcare needs and workplace benefits evolve,…

Success Stories of Businesses Implementing ICHRA

| ICHRA | No Comments
The implementation of Individual Coverage Health Reimbursement Arrangements (ICHRAs) have been a game-changer for many businesses, big and small. Here are real-life case studies of…

Brokers and Technology: The Ultimate Pair

| Brokers | No Comments
Ready to take enrolling and retaining clients to the next level? Scale current operations by investing in technology designed to save brokers’ resources while improving…

A Broker’s Guide to Targeting Hard-to-Reach Clients

| Brokers | No Comments
Getting clients to respond to outreach can be challenging. Many factors might lead to a disappearing client, so brokers must be on their A-game.   With…

Say Goodbye to the Family Glitch and Hello to ICHRA

| ICHRA | No Comments
A fix to the infamous Family Glitch would eliminate a coverage gap in the Affordable Care Act (ACA) that led to unaffordable coverage for 5.1…

3 Ways Brokers Can Scale Their Services and Increase Retention

| Brokers | No Comments
With an ever-growing client list, brokers need a simple way to manage their book of business and communication efforts. Having a single platform to track…

ICHRA and State-Based Marketplaces: Increase Enrollment Rates in New Markets

| ICHRA | No Comments
States can improve enrollment rates by supporting Individual Coverage Health Reimbursement Arrangements (ICHRAs). The landscape for employer-sponsored health insurance constantly changes. Annual rate increases are…

Brokers Must Increase Outreach Before the ARPA Subsidies Expire

| Brokers, Healthcare News | No Comments
The expiration of American Rescue Plan Act (ARPA) subsidies at the end of 2022 may result in 3 million members losing coverage. Reduced subsidies is…

How Brokers Can Get the Most Out of ICHRA

| Brokers, ICHRA | No Comments
Get ready to expand into new markets and grow your client base with the new alternative to the outdated traditional group coverage. An Individual Coverage…

3 Top ICHRA Legal Questions

| ICHRA | No Comments
We often discuss some of the more commonly asked questions from business owners and HR professionals who are exploring ICHRA for the first time. But…

Members May Pay More or Lose Coverage When the ARPA Subsidies Expire

| Healthcare News | No Comments
Members could be at risk of paying more for their health insurance, or losing it completely, once the American Rescue Plan Act (ARPA) subsidies expire…

Understanding Insurance Options for the Self-Employed

| ICHRA | No Comments
We often discuss the many benefits of ICHRAs for small, medium, and large businesses. But how does coverage work if you’re a solopreneur who’s self-employed,…

3 Most Common ICHRA Questions Employees Will Ask

| ICHRA | No Comments
Excited about getting a company’s ICHRA set up and introduced to employees? They’ll appreciate the reimbursement model far more than the one-size-fits-all, often costly, group…

An Employer’s Guide to Meeting ICHRA Notice Requirements

| ICHRA | No Comments
Employers gain cost benefits, flexibility advantages, and employee-facing perks worth leveraging when they implement an Individual Coverage Health Reimbursement Arrangement (ICHRA) model; however, they must…

3 Communication Channels Brokers Should Utilize for Improved Enrollment and Retention Rates

| Brokers | No Comments
A broker's ability to personally connect with clients is a key factor in improving enrollment and retention rates. Brokers fill the gap between health issuers…

How To Choose Between an ICHRA & Group Insurance Plans

| ICHRA | No Comments
It’s important to explore your company’s options for health insurance benefits each year. And while it seems best to stick with what you know and…

How to Apply for a New Job in Today’s Market

| Business | No Comments
Maybe the pandemic has inspired you to take a closer look at your career. With a new perspective, you’re ready for a change. But today’s…

How an ICHRA and Off-Exchange Meet

| ICHRA | No Comments
As a business leader, you’re always looking for more efficient ways to improve your employees’ benefits plans. But you’re also mindful of your budgets. Considering…

Medicare and ICHRA: A Complementary Layer of Benefits

| ICHRA, Medicare | No Comments
The number of Americans eligible for Medicare continues to grow alongside companies adopting Individual Coverage Health Reimbursement Arrangements (ICHRA). The flexibility and cohesion of both…

What Key Elements to Look for in a New Job

| Business | No Comments
It used to be that workers could just look for a new job based on the job description, the pay and compensation, and the hours…

How COBRA Coverage and ACA Plans Work Together

| ACA, Healthcare News | No Comments
With so many different and emerging health insurance provisions, it can be challenging to keep up with what’s available to you, who can help, and…
member communication

3 Tips Brokers Need for Sending Effective Messages

| Brokers | No Comments
Building a strong relationship with members can dramatically increase retention rates. Constant communication and a positive user experience permits members to discover answers to their…
Health insurance costs

Health Insurance Costs Covered Under an ICHRA

| ICHRA | No Comments
Individual Coverage Health Reimbursement Arrangements (ICHRAs) are transforming how today's businesses provide benefits to employees. Significant advantages to both the company's bottom line as well…

How the Proposed Notice of Benefit and Payment Parameters Could Affect Health Plans and Web Brokers

| Healthcare News | No Comments
The Centers for Medicare and Medicaid Services (CMS) issued its annual proposed Notice of Benefit and Payment Parameters (NBPP) on December 28, 2021. This important…

3 Ways to Make the Absolute Most of Employee Feedback

| Business | No Comments
Now more than ever, business owners need to be conscientious about what their employees need, prefer, and want. Ignoring or mismanaging critical employee feedback will…
small group

How to Capitalize on the Underserved Small Group Health Insurance Market

| Brokers, Healthcare News, ICHRA | No Comments
Brokers must always look for new ways to capitalize on growth opportunities and revenue channels; however, there’s one underserved group of small businesses that many…

Companies that Qualify for an ICHRA

| ICHRA | No Comments
The Individual Coverage Health Reimbursement Arrangement (ICHRA) model is considered the best way forward for thousands of businesses nationwide because of its customizable affordability, flexible…

3 Ways to Prioritize Employee Health

| Business | No Comments
In today’s workplace environment, there is a greater emphasis for employers to prioritize employee health. If you’re looking to explore additional ways to improve your…

3 Ways for Brokers to Effectively Communicate with Clients

| Brokers | No Comments
Brokers need to engage in new and effective ways of communication with their clients in efforts to increase retention rates. Many brokers are already exploring…

How ICHRAs Work with Brokers

| Brokers, ICHRA | No Comments
The Individual Coverage Health Reimbursement Arrangement (ICHRA) quickly gained traction among thousands of U.S.-based companies by providing coverage to employees previously ineligible through their traditional…

3 Essential Tools for a Broker Portal

| Brokers | No Comments
Health plans looking to increase their enrollment and retention rates must lean on the support of distribution partners, especially brokers. Provide brokers with the tools…

Customizing an ICHRA Solution

| ICHRA | No Comments
Companies are adapting and trying to find new ways to innovate in today’s new world. There are new customer-driven and economic demands driving leaders to…

3 Things Health Plans Should Know About the Build Back Better Act

| Healthcare News | No Comments
The proposed Build Back Better Act (BBBA) would have significant implementations for health plans due to changing eligibility requirements. With control of the Presidency, House…
Support Members

3 Ways Brokers can Better Support Members

| Brokers | No Comments
Increase your member retention rates by constantly expanding your arsenal of support tools and personalizing your outreach. W3LL works to provide a personalized set of…
ICHRA

3 Things Employees Need to do When Transitioning to an ICHRA

| ICHRA | No Comments
The Individual Coverage Health Reimbursement Arrangement (ICHRA) quickly gained traction among thousands of U.S.-based companies in 2021. It’s much different from the traditional group health…
ICHRA

The Other Guys vs. ICHRA

| ICHRA | No Comments
When it comes to selecting a health insurance benefit option for your employees, you'll apply the same level of due diligence and care as any…

3 Ways Employers Can Eliminate Administrative Burden

| Employers | No Comments
When you sit down with your company numbers for 2021, you’ll immediately look for two key things. How did you do in sales, and how…
Design an ICHRA

Learn How to Design an ICHRA Solution

| ICHRA | No Comments
An Individual Coverage Health Reimbursement Arrangement (ICHRA) provides the flexibility and control needed for a personalized coverage model. Customize your health coverage offerings by taking…

How Health Plans Can Support Distribution Partners

| Brokers | No Comments
Health plans undergoing a platform upgrade often consider how their changes affect staff and members but must also weigh its effect on distribution partners. These partners,…

How ICHRA & APTC Work Together

| ICHRA | No Comments
Adopting an Individual Coverage Health Reimbursement Arrangement (ICHRA) platform for company benefits allows employees to utilize the Advance Premium Tax Credit (APTC) on the ACA…

3 Reasons Why ICHRA Makes Sense in a Post-Pandemic Workplace

| ICHRA | No Comments
We often share the most important benefits of adopting an Individual Coverage Health Reimbursement Arrangement (ICHRA) platform for company benefits. And those reasons may be…

ICHRA in Comparison

| ICHRA | No Comments
As a business owner, you’re savvy about making decisions for your company. You consider all objective benefits and disadvantages before taking the leap. You crunch…

3 Ways Employers can Enhance Health Offerings While Reducing Administrative Overhead

| Business | No Comments
As a business owner and employer, you walk a fine line. Of course, you want to take care of your employees and offer the best,…

An Employers Guide to Reimbursement

| Business, ICHRA | No Comments
Part of what attracted you to the Individual Coverage Health Reimbursement Arrangement, or the ICHRA (pronounced ick-rah,) included the flexibility and control the coverage model…

3 Ways to Support Employees During Open Enrollment

| Uncategorized | No Comments
As a business leader, you care about the health and wellness of your employees. Take great pride in offering and supporting employee efforts to enroll…

W3LL’s Guide for Designing and Implementing an ICHRA

| ICHRA | No Comments
1. Designing Your ICHRA First things first, determine your business needs and goals to decide which version of an Individual Coverage Health Reimbursement Arrangement (ICHRA)…

The Solution to Rising Insurance Costs

| Business | No Comments
Employer-sponsored, traditional health plans prove to costly and complicated for businesses focused on growing and improving their company. Expensive group coverage continues to lose ground…

Common Misconceptions About ICHRA

| ICHRA | No Comments
Before you officially commit to setting up an ICHRA for your company, you want to know the facts. And while the widespread adoption of the…

3 Reasons Why an ICHRA Makes Sense Now

| ICHRA | No Comments
The widespread adoption of the ICHRA model continues, and its popularity among a variety of industry segments can't go unnoticed anymore. It’s more than just…

3 Reasons to Switch to Composable Shopping Solutions

| Health Insurance | No Comments
When the pandemic shutdowns first began, countless businesses scrambled to adapt. Some companies shuttered their doors temporarily, some permanently. Others quickly shifted to adopt new…

How ICHRAs Work with Ancillary Products

| ICHRA | 867 Comments
Healthcare, in general, has evolved over the years with advancements in medicine and new technologies. It used to be that patients would visit one primary…

3 Ways to Improve Member Transparency (No Surprises Act)

| ACA | 110 Comments
You were likely already looking for ways to improve your business model’s member transparency before now. But when HHS announced the No Surprises Act framework…

Most Common Questions Asked About ICHRAs

| ICHRA | 74 Comments
We’ve dedicated a considerable amount of time in recent months exploring the benefits and advantages companies are leveraging with the Individual Coverage Health Reimbursement Arrangement.…

Consider Switching to a Holistic Health Insurance Model

| Business | 96 Comments
If your business has learned anything over the last few years, it’s the importance of being flexible and dynamic to weather any storm. Adopt a…

3 Ways an ICHRA Keeps Risks Low

| ICHRA | 195 Comments
The Individual Coverage Health Reimbursement Arrangement (ICHRA) model offers employers a simpler way to provide personalized and affordable health insurance to their employees. ICHRA represents…

3 Ways to Support Seasonal Hires

| Business | 100 Comments
Countless industries in today’s economy rely on the support of seasonal workers. Sometimes driven by market fluctuations, company growth, or peak buying trends, thousands of…

The Demand for ICHRA Solutions Continues to Rise

| ICHRA | 102 Comments
In boardrooms and Human Resources offices across the country, the discussion of the Individual Coverage Health Reimbursement Arrangement (ICHRA) is prevalent. Today’s economy is much…
ichra employee questions

3 Questions Employees Ask When Considering an ICHRA

| Uncategorized | 77 Comments
Businesses are learning the benefits of Individual Coverage Health Reimbursement Arrangements (ICHRA) and are sharing those benefits with their employees. As employees learn about these…
ichra employee classes

Employee Classes for ICHRAs

| ICHRA | 22,118 Comments
The Individual Coverage Health Reimbursement Arrangement (ICHRA) offers a great alternative to traditional group insurance. For employers looking to provide their employees’ benefits for the…

3 Ways to Enhance Your User Experience

| Health Insurance | 113 Comments
You often hear or read about the importance of creating an engaging online user experience. But in the health insurance industry, engagement isn’t like the…
ICHRA for your business

Find Out if an ICHRA Fits Your Business

| Business, Healthcare, ICHRA | 146 Comments
With the costs and maintenance of traditional group insurance plans skyrocketing, businesses are turning to more creative solutions to meet their insurance needs. An Individual…
remote workforce

3 Ways to Simplify Operations with a Remote Workforce

| Business | 38 Comments
When your company first tried adjusting to the remote workforce during the pandemic shutdowns, you likely faced new challenges. But since then, working from home…

How the Increase in Benefit Allowances Will Affect Employees and Employers

| ICHRA | 51 Comments
The data is out, and the word on the street is that benefit allowances are increasing with the widespread adoption of the Individual Coverage Health…

3 Things to Look for in an EDE Vendor

| Health Insurance | 92 Comments
With the ACA Marketplace experiencing an unprecedented boom due to new legislation and a reduction in member premiums, many Health Plans are looking for a…
Open Enrollment 2022

A Recap of ICHRA Offerings as We Near Open Enrollment 2022

| ICHRA | 134 Comments
We’ve talked a lot about the widespread adoption and popularity of the Individual Coverage Health Reimbursement Arrangement (ICHRA.) So many companies have already embraced the…
COVID-19 round two

COVID-19 Round Two: Is Your Business Ready?

| Business | 37 Comments
Your business, like so many others, may have been blind-sided by COVID-19 last year. But you’ve learned a few things since then. You're proud of…

Your Step-to-Step Guide to Enroll in a Qualified Health Plan

| Lifestyle | 46 Comments
It’s pretty hard to believe the year is almost over already. And around the corner are the holidays, the winter season, and, yes, Open Enrollment.…

Simplifying On vs. Off-Exchange Health Plans

| Health Insurance | 28 Comments
Health insurance, in general, can be incredibly complicated. There are regulations to adhere to and guidelines to follow. Serving two masters, health insurance intends to…

What 2021 SEP Numbers Tell Us About the Future of ICHRA

| ICHRA | 45 Comments
The 2021 Marketplace Special Enrollment Period (SEP) provided Americans the opportunity to enroll in coverage through the ACA Marketplace; many struggled with the COVID-19 pandemic…

What You Need to Know About Self-funded vs. Level-Funded Plans

| Business | 39 Comments
The countless operational decisions you face as a business owner can be overwhelming. But when it comes to benefits and provisions for your employees, you…

3 Benefits of the Telemedicine Boom

| Lifestyle | 176 Comments
In 2020, the telemedicine boom rushed into nearly every area of the health ecosystem. The collision of health tech and health tragedy pushed care outside…

An Update on the Benefit and Payment Parameters Final Rule

| ACA, Health Insurance | 46 Comments
Once again there are changes on the horizons for health plans and State-Based Marketplaces (SBMs). The Centers for Medicare & Medicaid Services (CMS) finalized its…

3 Differences Between HRAs, HSAs & FSAs

| ICHRA | 138 Comments
There are several benefit types that employers can offer their employees to help them manage out-of-pocket medical expenses. A few of the more popular choices…

3 Reasons You Should Offer Excepted Benefits to Your Employees

| Business | 337 Comments
As a company leader, business owner, or human resources professional, you know the importance and compliance requirements of offering benefits to your teams. But there…

3 Things You Need to Know About APTCs

| Lifestyle | 66 Comments
If you’re preparing to explore the ACA Marketplace for the first time, APTC may be new to you. Even still, for those who may already…

ICHRA Saw an Increase in State-Based Classes as Companies Spread Out

| ICHRA | 158 Comments
Sure, we’ve been saying just how popular the Individual Coverage Health Reimbursement Arrangement is for some time now. And while many businesses see countless benefits…

3 Ways to Prep Your Employees for Open Enrollment 2022

| Business | 84 Comments
Open enrollment is coming and probably quicker than you had hoped. It’s that time of year that many HR professionals dread, since traditional group plan…

3 Tips When Applying for a New Job

| Lifestyle | 158 Comments
Today’s worker has an average of 12.5 jobs in their lifetime. Twenty-six percent of these jobs last less than one year. Whether you’ve just started…

3 Reasons Why Employer-Sponsored Plans are On Their Way Out

| ICHRA | 39 Comments
Some trends just don’t have staying power. And when you’re talking about the puffy shoulder pads and parachute pants from the 80s, it’s probably best…

3 Ways to Save Money on Your Employee Benefit Options

| Business | 65 Comments
Today’s businesses are looking for innovative ways to offer employee benefits options that make sense. You want to make sure your company is able to…

3 Options Beyond Traditional Employer Health Insurance

| Lifestyle | 100 Comments
If you’re like most working Americans, you know what it means to have insurance coverage through an employer. And you might even assume that the…

3 Ways to Prepare Yourself for the Upcoming Medicaid Reassessment Wave

| Health Insurance | 34 Comments
Medicaid, along with its joint program CHIP (Children’s Health Insurance Program,) provides much-needed health insurance coverage benefits to more than 72 million Americans. It’s actually…

3 Steps Employers Need to Take to Set Up Their ICHRA Reimbursement Procedure

| ICHRA | 138 Comments
If you’re ready to officially move forward with the setup and launch of your company ICHRA, you’ll want to be sure you're streamlining every step…

3 Ways to Attain and Retain the NextGen Workforce

| Business | 38 Comments
The Web and Woe of the Job Economy You’d have to look back to the beginning of Dotcom in the late 1990s to find a…

How to Ease Yourself Back into a Life Post-COVID

| Lifestyle | 36 Comments
It’s pretty tough to make heads or tails out of what to expect with the current state of COVID-19 and its many emerging variants. But…

3 Reasons Why 2021 is the Perfect Time to Switch to an ICHRA

| ICHRA | 56 Comments
Individual Coverage Health Reimbursement Arrangement (ICHRA) is still considered the new kid on the block after becoming a viable alternative to traditional group health insurance…

3 Ways to Keep Your Company Focused and Driven While Virtual

| Business | 78 Comments
Companies are racing to find the best ways to stay connected to employees, customers, and resources. While the pandemic forced business leaders to pivot and…

3 Tips for Everyone that Completes School this Year

| Lifestyle | 93 Comments
If you’re finishing up with your studies this year, you’re probably feeling the weight of all the adulting decisions around the corner. Graduating is a…

How the Potential Medicare Expansion Will Impact Americans

| Health Insurance | 55 Comments
In the wake of the past and ongoing effects of the pandemic, Americans are trying to find their way through a complicated health insurance world.…

How to Explain to Employees that You are Transitioning to an ICHRA Solution

| ICHRA | 138 Comments
You know the Individual Coverage Health Reimbursement Arrangement (ICHRA) is good for your business from a budget standpoint and a flexibility perspective. You also anticipate…

3 Telling Questions Often Overlooked During the Hiring Process

| Business | 37 Comments
How exciting! You finally got an interview with your dream company for your dream job. Time to suit up and brush up. Interviews challenge our…

3 Things to Keep in Mind About Insurance When Starting Your First Full-Time Job

| Lifestyle | 78 Comments
Congratulations on your new job! You’re probably excited about getting into your first full-time gig and feeling a little anxious about your upcoming first day.…

Insurance Shopping Platforms Place a Renewed Focus on User-Experience

| Health Insurance | 111 Comments
While companies like Amazon, InstaCart, and DoorDash offer some of the most engaging user experiences for customers, the health insurance industry seemed to have fallen…

3 Coverage Options You Can Pair with an ICHRA

| ICHRA | 140 Comments
Growing companies across all types of industries are realizing there are new options for providing health benefits to employees these days. And one of those…

How W3LL Has Transitioned Their Company Culture Online

| Business | 29 Comments
Right now, thriving businesses know the importance of creating, enhancing, and maintaining a quality company culture for employees. But it can be hard to transition…

3 Steps to Take After Moving to a New Place

| Lifestyle | 37 Comments
Moving can be incredibly stressful, with all the packing, hauling, and cleaning. Yet there is that one sweet moment, that first night in your new…

How Approved SBM Funding for Enhancing Platforms will Affect Consumers

| Health Insurance | 37 Comments
Ongoing legislation changes continue to effect State-based Marketplaces (SBMs) and how they supply insurance to new and returning members on the Marketplace. On June 21,…

Your Employer Offered You an ICHRA, What’s Next?

| ICHRA | 40 Comments
More and more employers are switching over to Individual Coverage Health Reimbursement Arrangements (ICHRAs) to offer affordable and comprehensible health insurance to their employees. However,…

3 Mistakes to Avoid When Transitioning Back to the Office

| Business | 38 Comments
It's not uncommon for people to dread the return to work after working remotely for the better part of a year or more. But it…

3 Tips for Creating and Maintaining Friendships as an Adult

| Lifestyle | 36 Comments
Making and maintaining friendships while growing up was often as simple as being in the same classroom, eating at the same lunch table, riding the…

How to Ensure You’re Getting the Most Out of Your ACA Plan

| ACA | 66 Comments
Millions of Americans have plans through the Affordable Care Act Marketplace right now. The pandemic drove many to unemployment, and the government infused the ACA…

Quick Guide to ICHRA Substantiation Requirements

| ICHRA | 117 Comments
Individual Coverage Health Reimbursement Arrangements keep gaining traction among businesses as the most cost-effective way to provide benefits to their employees. With the many benefits…

3 Ways to Prevent Biases Before and After the Hiring Process

| Business | 104 Comments
Companies are taking necessary steps to create hiring equity, and leaders are doing their best to identify key areas of improvement when it comes to…

3 Considerations when Seeking a Mental Health Professional

| Lifestyle | 45 Comments
As more Americans become aware of and in tune with their mental health, the need for finding mental health professionals also increases. Whether you’re looking…

How the Closing of the PHE will Impact Members

| Health Insurance | 100 Comments
The COVID-19 pandemic has an impact on the lives of all Americans one way or another. While many struggled with shifting working environments, health concerns,…

Top 3 Employee Questions About ICHRA

| ICHRA | 265 Comments
When it comes to Individual Coverage Health Reimbursement Arrangements, also referred to as ICHRAs (ick-rahs,) businesses seem to know and welcome all of the various…

3 Essential Tips for Networking to Success

| Business | 36 Comments
Most of us were told that when we grew up we could be anything we imagined ourselves to be... the world was our oyster. Speakers…

3 Things to Take Advantage of to Boost Your Wellbeing this Summer

| Lifestyle | 69 Comments
We’re halfway through summer already, and you might still be feeling like you’re in recovery mode from the events of last year. If you’re feeling…

How the Most Recent Supreme Court Ruling Will Impact Members on the ACA

| ACA, Health Insurance | 156 Comments
The history of the Affordable Care Act (ACA) has been full of twist in turns that have made the longevity and stability of the Marketplace…

How the Biden Administration will Help Strengthen ICHRA

| ICHRA | 137 Comments
Individual Coverage Health Reimbursement Arrangements (ICHRAs) continue to be the popular way forward for countless businesses looking to explore more affordable employee benefits options. But…

3 Ways to Engage Your Employees as They Return to the Office

| Business | 97 Comments
While many businesses plan to continue operations with remote workforces, millions of Americans are ready to get back to the office for the in-person work…

3 Tips for Turning Your Passion or Hobby into a Side Hustle

| Lifestyle | 60 Comments
During the course of the pandemic, millions of Americans found themselves at home with extra time on their hands. And during that spare time, they…

3 Things Brokers Should Know About ICHRAs (And How to Benefit from Increased Savings with Them)

| ICHRA | 76 Comments
Individual Coverage Health Reimbursement Arrangements (ICHRAs) are fast becoming the popular benefits solutions for countless businesses. With benefits like expense control and employee flexibility, companies…

3 Ways to Empower Your Employees to Take the Reins on Their Health Benefits

| Business | 43 Comments
Fact: Fifty-five percent of small firms and 99% of large firms offer health benefits to at least some of their workers, with an overall offer…

Regardless of Your Employment Class, Ensure You’re Getting the Most Out of Your Health Benefit Options

| Lifestyle | 75 Comments
With so many changes happening within the healthcare and health insurance industries, consumers sometimes struggle to keep up with the shifting options. And right now,…

3 Ways the Potential Expansion of Audio-Only Telehealth Can Affect Consumers

| Health Insurance | 99 Comments
Throughout the course of the past year, with the pandemic and the subsequent shutdowns, quarantines, and increased public health risks, telehealth experienced an unprecedented boom.…

3 Ways ICHRA Grows with Your Company

| ICHRA | 198 Comments
Individual Coverage Health Reimbursement Arrangements (ICHRAs) are quickly becoming the new way to provide employee health-related benefits. These unique platforms allow companies to offer cost-controlled…

Investing in the Right Technology Today Can Save Time and Money Down the Line

| Uncategorized | 89 Comments
Today’s business leaders recognize the ongoing advancement of technology and its many benefits to growth and success. Those who can stay ahead of the technology…

3 Popular Moving Trends in the Wake of COVID-19

| Lifestyle | 108 Comments
The pandemic taught us all a few lessons last year. Businesses learned how to transition to remote working environments. Kids learned how to interact with…

3 Reasons to Consider Offering an Excepted Benefits HRA

| Health Insurance, HRAs | 122 Comments
An excepted benefit health reimbursement arrangement (EBHRA) provides employer refunds to help fund expenses outside traditional health insurance coverage. As Health Reimbursement Arrangements (HRAs) continue…

Renewed Energy in the ACA Places ICHRA in a Position of Unparalleled Growth

| ICHRA | 47 Comments
There is a great deal of talk in recent weeks about the Individual Coverage Health Reimbursement Arrangement (ICHRA). Often viewed as a super-charged version of…

3 Ways to Help Your Employees Get the Most Out of Summer

| Business | 88 Comments
1. Offer Activities to Take Advantage of the Nice Weather For employees that have already returned to the office, looking out on the beautiful weather…

3 Considerations When Aging Out of Your Parent’s Health Coverage

| Lifestyle | 1,549 Comments
1. Your Parents' Health Insurance Nest Won’t Hold You Forever It may come as a surprise to many “adult children” ages 26 and under that…

3 Things You Should Know About the ACA Family Glitch

| Health Insurance | 162 Comments
Employers know that no matter what insurance solution they choose, they will need to abide by certain affordability benchmarks with their offering. And individuals who…

Traction with CBO Spells out Good News for ICHRA

| ICHRA | 35 Comments
We recently shared the latest news regarding the Congressional Budget Office (CBO) and its guide for a federally governed public option health insurance plan. The…

3 Ways Companies Can Utilize a Hybrid Work Model

| Business, Uncategorized | 40 Comments
With Summer now in full swing and vaccination rates continuing to rise, companies are reevaluating the need for working at home. Employers must find a…

3 Ways to Make the Most of the Rising Telehealth Movement

| Lifestyle | 103 Comments
Telehealth became one of the only methods for patients to connect with their providers during the shutdowns associated with the pandemic. When people weren’t able…

3 Key Advantages of the Recent CMS Approval of Funds Supporting the Navigator Program

| Health Insurance | 38 Comments
The Centers for Medicare and Medicaid Services weighed in back in March, committing additional funding to support the Navigator Program. Under this platform, grantees participating…

3 Things to Know About Employer-Sponsored Plans: Are They Being Phased Out in 2021?

| Health Insurance | 41 Comments
If your company or organization has been in business for a few years, you’re likely familiar with the concept of employer-sponsored group health insurance plans.…

3 Ways W3LL Promotes Internal Employee Growth & Wellness

| Business | 37 Comments
As an employer, one of your key missions is to ensure the success, growth, and well-being of those who work for you. Businesses often incorporate…

3 Ways to Benefit from the Booming 2021 Housing Market

| Lifestyle | 147 Comments
The current real estate market has reached new heights as prices of homes are rising, and supply continues to fall while new buyers continue to…

Your Top 3 ICHRA Compliance Questions Answered

| ICHRA | 71 Comments
Considering just how popular Individual Health Coverage Reimbursement Arrangements (ICHRAs) are right now, businesses are also asking a lot of ICHRA-related questions. Businesses are recognizing…

3 Methods for Making the Most of Employee Feedback

| Business | 38 Comments
In today’s working environment, especially with the increased number of remote workers, managers and business owners know the importance of collecting employee feedback. Productivity and…

3 Ways to Keep You and Your Home Safe This Summer

| Lifestyle | 44 Comments
In today’s world, everyone tends to look at everything they do through a lens of safety and protection from any resurging effects of the pandemic.…

3 Ways the CBO’s Public Option Design Review Can Impact Consumers

| Health Insurance | 37 Comments
The Congressional Budget Office (CBO) recently shared a guide with implementations and suggestions about designing a federally managed public option health insurance plan. Congressional sentiment…

A 3-Step Guide to ICHRA Affordability Rules

| ICHRA | One Comment
If you're like many American companies in 2021, you may be exploring different and more cost-effective options for offering employee health insurance. The costly group…

3 Steps for Fostering a Diverse & Inclusive Remote Work Environment

| Business | 66 Comments
Providing an inclusive and diverse work environment takes effort. Your organization may already have a detailed plan in place for fostering such an environment. But…

3 Ways to Foster Generational Health Post COVID

| Lifestyle | 67 Comments
The Greatest Generation is Taking Charge While the past year was rough for seniors shuttered indoors, many of those who were inbound took the initiative…

The History of the ACA and the Effect on Consumers

| Uncategorized | 96 Comments
Affordable Care Act received vast amounts of praise and criticism since its inception in 2010. Policy makers, health insurance providers, brokers have all weighed in…

3 Ways to Save with ICHRA

| ICHRA | 121 Comments
Transitioning to a new way of offering health benefits can be overwhelming and costly. Not only can an Individual Coverage Health Reimbursement Arrangements (ICHRA) save…

3 Ways to Promote Open and Honest Communication in the Workplace

| Business | 116 Comments
Business leaders and managers know the importance of having an open and honest communication strategy with employees. But in today’s workplace, and in many cases…

3 Signs It Is Time to Look for a New Job

| Lifestyle | 45 Comments
There are quite a few new job opportunities out there right now as thousands of companies are experiencing growth. You may feel loyal to your…

3 Elements Every Company Should Include in an HRA Plan Document

| HRAs | 264 Comments
The Health Reimbursement Arrangement (HRA) is fast becoming the popular solution for many businesses looking to explore new ways to offer employee benefits. HRAs can…

What to Look for in an ICHRA Administrator

| HRAs, ICHRA | 186 Comments
As more and more organizations are turning towards the multitude of benefits offered by an Individual Coverage Health Reimbursement Arrangement (ICHRA), it’s important to choose…

Commitment to a Healthy Work-Life Balance at W3LL

| Business | No Comments
Shifting workplace environment and employee needs result in companies needing to adjust their existing policies to best ensure a healthy work-life balance and a positive…

How to Safely Plan a Summer Vacation During COVID

| Lifestyle | 38 Comments
What you need right now is a vacation. And nothing sounds more appealing than crisp mountain air or your toes in the sand. But is…

3 Distinctions to Better Understand the Metal Tiers Behind Your Plan

| Health Insurance | 319 Comments
When the Affordable Care Act was introduced, plans were categorized into metal tiers. In part, officials sought to make choosing a plan easier for consumers.…

Is ICHRA Right for My Business?

| ICHRA | 37 Comments
With the costs and maintaince of traditional group insurance plans skyrocketing, businesses are turning to more creative solutions to meet their insurance needs. An Individual…

3 Ways to Support Remote Workers

| Lifestyle | 175 Comments
Remote Workers Are Cooped In and Pooped Out Over the past year, working remotely, whether as a choice to socially distance or a consequence of…

3 Ideas for Building a New Life After Relocating

| Lifestyle | 156 Comments
Some people will tell you that the most stressful times in your life will likely boil down to three catalyst events. New or broken relationships,…

Why the Affordable Care Act Marketplace Is Positioned to Thrive

| ACA, Health Insurance | 73 Comments
When it was first enacted, all the way back in March of 2010, critics weren't so sure the Affordable Care Act Marketplace would have staying…

3 Reasons to Offer ICHRA During Renewal Season

| HRAs, ICHRA | 37 Comments
Renewal season offers companies the opportunity to sign up for new health insurance plans or renew their current plans. Fluctuating renewal rates, contract negotiations, and…

3 Ways to Onboard Happy Employees and Increase Retention

| Business | One Comment
One of the many challenges facing companies today is the shortage of qualified workers. From entry-level retail jobs to restaurant personnel and beyond, companies are…

3 Ways to Deal with Homesickness After Relocating

| Lifestyle | 38 Comments
Home Is Where the Support Is Since the beginning of the COVID pandemic, workers have been relocating in unprecedented numbers. Working remotely opened the possibilities…

I’m Already Insured, How Do I Get My Increased Tax Credit?

| COVID-19, Health Insurance, Healthcare | 151 Comments
The American Rescue Plan, issued by President Biden, is primed to help Americans get back on track with their health and finances after the damaging…

3 Reasons Employers are Leaving Group Plans and Transitioning to ICHRA

| Business, Health Insurance, HRAs, ICHRA | 180 Comments
Group plans can be confusing and expensive, forcing one-size-fits-all plans without the possibility of customization. Companies are switching away from more traditional plans to those…

Why You Should Think About Your Health Insurance Renewals Now Instead of August

| Business | 64 Comments
Spring can be a sign of change and renewal. It’s that special time of year when people open their windows, do a little spring cleaning,…

3 Things to Know if Your Furlough Becomes a Permanent Layoff

| Lifestyle, Uncategorized | 59 Comments
Times were hard enough when you first found yourself being furloughed from your job. But, now, months later, you’re facing a more permanent and even…

What Can I Expense Under an HRA?

| Health Insurance, HRAs | 48 Comments
Health Reimbursement Exchanges, and the various platforms thereof, including ICHRAs and QSEHRAs, are increasingly popular among budget-savvy businesses these days. A company might be offering…
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ICHRA and The American Rescue Plan

| ACA, HRAs, ICHRA, Uncategorized | 133 Comments
The American Rescue Plan (ARP) makes it much more affordable for individuals to secure coverage through the Marketplace. The increased availability of tax credits to…
people working at desks wearing PPE masks

COVID-19 Safety: How to Reopen the Office

| Business, COVID-19 | One Comment
Reopening the workplace may be the top priority on your mind right now. Business owners nationwide are trying to figure out how to get remote…
Girls on bicycles

3 Ways to Stay Safe this Spring

| Lifestyle | 165 Comments
You often hear the experts talk about quarantine fatigue. Add to that fatigue the regional winter blues, and you have an even more intense urge…
Woman thinking

My Employer Offered Me an HRA, Now What?

| HRAs, ICHRA | 140 Comments
Many employers are offering a health reimbursement arrangement (HRA) because it provides a flexible way for employers to offer health insurance reimbursements to their employees.…
policies being written by hand. Compliance is highlighted.

3 Categories of Common ICHRA Compliance Questions

| HRAs, ICHRA | 169 Comments
When you make the official decision to move forward with adopting an ICHRA for your business, it doesn’t mean you still don’t have questions. Whether…
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3 Ways to Support Remote Workers

| Business | 17 Comments
Remote Workers are Cooped in and Pooped Out Over the past year, working remotely, whether as a choice to socially distance or a consequence of…
man sitting among moving boxes

3 Mistakes to Avoid When Moving

| Lifestyle, Uncategorized | 34 Comments
The thought of packing up your entire life and moving to a new location may seem daunting. Moving often takes months of planning, a good…
exit road sign

Why Carriers Join and Exit the Individual Market

| Health Insurance | 40 Comments
One of the volatile shifts we see in the health insurance industry is the widespread coming and going of insurers and carriers from the individual…
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Updates to the Special Enrollment Period – Now Through August 15th

| ACA, COVID-19, Uncategorized | 67 Comments
President Biden recently signed an executive order allowing all eligible residents to sign up for health coverage from February 15th through August 15th without a…
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3 Ways to Improve ICHRAs

| HRAs, ICHRA, Uncategorized | 39 Comments
While many businesses are flocking to ICHRA solutions for the first time, there are thousands of companies that already leverage the increased flexibility of an…
team climbing mountain

Removing the Glass Ceiling and Avoiding the Glass Cliff

| Business, Uncategorized | 57 Comments
It used to be that the “glass ceiling” was a reference to the lack of females holding executive level or board member roles within an…
man taping moving box

3 Ways to Take the Stress out of Moving

| Lifestyle | 39 Comments
Moving causes a lot of stress and is often a large expense that you must factor into your budget. COVID-19 caused a huge spike in…
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3 Health Insurance Terms Helpful in Choosing a Plan – Part 3 Coverage

| HRAs, ICHRA | 37 Comments
In our first two segments of health insurance terms explained, we highlight what you need to know to help you understand costs and enrollment eligibility.…
two women and one man on a cellphone

Does ICHRA Make More Sense for a Group or Individual Broker?

| Health Insurance, Healthcare, HRAs, ICHRA | 182 Comments
Individual Coverage Health Reimbursement Arrangements (ICHRAs) continue to be incredibly popular benefits platforms for businesses of all sizes. Rebounding from the economic hardships imposed by…
Illustration two heads Growth vs Fixed mindsets.

3 Ways to Encourage a Growth Mindset Among Your Employees

| Business, COVID-19 | 67 Comments
Companies focused on adaptability and growth should be familiar with the “growth mindset,” first introduced by Dr. Dweck in 1988. This research-based model demonstrates the…
Keyboard. New Regulations written one a button about to be pressed.

The American Rescue Plan Reduces Healthcare Costs and Extends Insurance Coverage

| ACA, COVID-19 | 200 Comments
On March 11, 2021, the Biden-Harris Administration signed into law the American Rescue Plan Act (ARP) of 2021 allocating $1.9 trillion towards economic relief. Being…
three dogs

30 Possible Side Hustles for Additional Income

| Lifestyle | 7,731 Comments
With the pandemic conditions of the past year, and countless people seeing a reduction in pay, the need for more household income has become a…
cost written on blackboard arrow going up

3 Health Insurance Terms and How they Help you Choose a Plan – Part 2 Costs

| Health Insurance, HRAs, ICHRA, Uncategorized | 35 Comments
In the complicated arena of health insurance, we know half the battle of choosing a plan lies in understanding the various terms. Exploring the marketplace…
The White House

Will ICHRA be Supported by the Biden Administration?

| ICHRA | 52 Comments
With the increased popularity of the Individual Coverage Health Reimbursement Arrangement (ICHRA) among American businesses, there has certainly been an influx of marketplace applicants. President…
fruits and handweights

3 Simple Tips on How to be Healthier

| Lifestyle | 88 Comments
The journey to healthier living is often difficult and has many stops along the way. Making small but beneficial changes to your life over time…
Typed "Terms of Service" on typewriter

3 Health Insurance Terms and How they Help you Choose a Plan – Part 1 Enrollment

| Health Insurance | 67 Comments
With so many terms and health insurance plan details to consider, it’s no wonder why so many Americans get confused when it’s time to enroll.…
Illustration loading bar, loading 2021

What’s New for Healthcare and Small Business in 2021

| Business | 57 Comments
Running a small business in 2020 was probably a roller coaster you don’t care to ride ever again. It’s been tough as many business owners…
Woman speaking to coworkers through video chat

How to Support Your Employees in 2021

| Business | 58 Comments
The close of 2020 did not signal the end of all the challenges companies and employees faced since the onset of the COVID-19 pandemic. The…
A clock

How to Wake Up Early and 3 Benefits of an Early Start

| Lifestyle | 62 Comments
The winter blues are a real thing, and given the year we’ve all had, it’s definitely time to shake off the old routines and start…
A Caduceus

The Bismarck Healthcare Model Explained

| Health Insurance | 531 Comments
There are a few different healthcare models that various governments abroad adopt. You may have heard of the national health insurance model or recognize the…
A woman surrounded by question marks looking pensive

What’s the Difference Between an HRA, HSA & FSA?

| Business | 90 Comments
In the health insurance and medical benefits realms, there are countless benefits structure options for businesses. We’ve talked about insurance terms and definitions before to…
A sapling, coins and blocks with 2021 written on them sit on a table.

3 Ways to Stay Competitive with Your Employee Compensation Strategy

| Business | 302 Comments
A strategic compensation strategy guides companies’ approach to managing total employee compensation. According to the 2021 Compensation Best Practices report published by PayScale, the focus…
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Facing A Divorce? 3 Things to Do First During This Challenging Time

| Lifestyle | 46 Comments
This year has already been especially difficult for everyone. But if you find yourself also experiencing a divorce, you might have added challenges ahead. Divorce…
Illustration woman having a video chat with doctor

How Does Telemedicine Actually Work?

| Healthcare | 68 Comments
There has been an explosion of virtual services and remote connections between doctors and their patients over the last year, and for a good reason.…
Two hands shaking through a computer screen

3 Things to Look for in an ICHRA Partner

| ICHRA | 52 Comments
You recognize the many benefits to your business in transitioning to offer an Individual Coverage Health Reimbursement Arrangement (ICHRA.) And you’re ready to move forward…
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3 Ways to Improve Your Employees’ Health Insurance Experience

| Business | 92 Comments
With benefit offerings growing more competitive, employers need to respond to the needs of their employees and constantly improve the health insurance experience. The Employee…
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Is Work From Home Here to Stay?

| Lifestyle | 323 Comments
Just about a year ago, America quickly transitioned to working from home whenever possible. It’s hard to believe the nationwide shutdowns began so long ago.…
Child and older man walk the beach

3 Tips for Staying Healthy at Every Age

| Lifestyle | 58 Comments
Health and wellness goals lead to efforts usually beyond hitting the gym or committing to a resolution for the new year. Healthy living doesn't always…
man holding a newspaper which reads "the world is changing"

Businesses Are Switching to ICHRAs (And It May Be Right for Your Business, Too)

| ICHRA | 101 Comments
There’s a lot of buzz and surge in popularity among businesses regarding Individual Coverage Health Reimbursement Arrangements. Companies large and small are recognizing the many…
Gavel and papers on a desk. "Executive Order" is written on the papers.

How the Biden Administration Will Impact Businesses

| Business | 102 Comments
The Biden administration, and the Democrats at large, have been vocal in their support for small businesses and the working class. Reforms including tax breaks…
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Sleeping Your Way to Health

| Lifestyle | 53 Comments
Staying Healthy Can Be Exhausting Harvard Health Publishing suggests that “maintaining good health requires work, smart lifestyle choices, and the occasional checkup and test.” Health…
thinking man, surrounded by question marks

Should I Use the Tax Credit or the ICHRA My Company Provides?

| ICHRA | 110 Comments
With so many businesses adopting an Individual Coverage Health Reimbursement Arrangement (ICHRA,) there are thousands of Americans facing these new benefits for the first time.…
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A New Special Enrollment Period – You Can Enroll in Health Insurance Again

| ACA, COVID-19, Uncategorized | 37 Comments
President Biden recently signed an executive order allowing all eligible residents to sign up for health coverage from February 15th through May 15th without a…

What Types of Companies Can Use an ICHRA?

| ICHRA | 205 Comments
You have probably heard all the buzz about offering an Individual Coverage Health Reimbursement Arrangement (ICHRA.) And at first glance, it sounds like the perfect…
illustration the hands of five people pointed upwards

3 Ways to Promote Diversity in the Workplace

| Business | 87 Comments
As demographics continue to diversify and expand, employers need to realize the importance of establishing and supporting a diverse talent pool. Additionally, companies that feature…

Where Are People Moving During a Pandemic?

| Lifestyle | One Comment
One of many trends that emerged during the course of the pandemic is the need for Americans to find another place to live. And while…

What’s Going On With COVID-19 Vaccines?

| COVID-19 | 38 Comments
COVID-19 has certainly changed every aspect of our lives over the last year. And it’s been devastating for thousands of families who felt the strain…

3 Reasons Employees will love your ICHRA Plan

| ICHRA | 72 Comments
As a business owner at the helm or Human Resources professional, you see the inherent benefits of transitioning to an Individual Coverage Health Reimbursement Arrangement…

3 Surprising Facts About Being a New Mom

| Lifestyle | 115 Comments
Most seasoned and veteran moms will tell you that the one time in your life you should expect to receive the most advice (solicited and…

What Are the Differences Between On Exchange vs. Off-Exchange Health Plans?

| Health Insurance | 94 Comments
Health insurance variances can be complex and are often confusing at the consumer level. We have discussed some of the different terms and definitions to…

How Do I Start an HRA? 3 Steps to Take Next

| ICHRA | 132 Comments
You, much like many other business owners and benefits coordinators, have decided after a year like 2020, the best employee insurance benefit you can offer…

3 Ways to Improve Your Employee Retention

| Business | 43 Comments
Constant employee turnover often contributes to a company’s inability to meet objectives. Recruiting, hiring, and training new employees costs and demands more resources compared to…

3 Things to Know About Managing Anxiety & Depression as a New Mom

| Lifestyle | 2 Comments
The challenges that come with first-time motherhood are abundant. But one thing that can compound these challenges even more, is the onset of anxiety and…

CMS Shares First Final Rule to Revitalize the ACA in 2022

| Health Insurance | 67 Comments
Exciting news for the Individual Marketplace. On January 14th, the Centers for Medicare and Medicaid Services (CMS) issued the first final rule confirming several provisions…

Changing from ACA to Medicare: What You Need to Know

| Health Insurance, Medicare | 96 Comments
You’ve probably spent your whole life navigating the health insurance industry, learning the ins and outs of how to find a reliable coverage option. And…

Paying for Medicare with ICHRA: What You Need to Know

| ICHRA | 505 Comments
We often talk about the various nuances that go along with qualifying for Medicare, how to use it, and for whom it’s intended to help.…

Small Business Health Insurance Options

| HRAs | 111 Comments
As a small business looking to recruit and retain talent, offering access to quality and personalized health insurance stands to be an invaluable asset. More…

3 Self Care Tips for Expecting and New Moms

| Lifestyle | One Comment
As a new mom, you might be amazed at how often people, some you barely know, are willing to give you advice about the days…

What Types of Health Insurance Costs Can Be Paid for With ICHRA Benefits?

| ICHRA | 173 Comments
Individual Coverage Health Reimbursement Arrangements (ICHRAs) are fast becoming a popular and affordable choice for companies to offer their employees. But it’s not a health…

What Does the New Coronavirus Relief Bill Mean for Small Businesses?

| COVID-19 | 39 Comments
On December 27, 2020, the Coronavirus Response and Relief Supplemental Appropriations Act was signed into law, providing $900 billion in aid to Americans suffering from…

Preparing for a New Baby

| Lifestyle | 39 Comments
Congratulations are in order! You have a new baby and are ready to come home. Whether it’s your first child or your fifth, there are…

Understanding the Advanced Premium Tax Credit: 3 Things to Know

| Health Insurance, Uncategorized | 231 Comments
You may have a general understanding of the premium tax credit, especially if you have experience with health insurance coverage via the Marketplace. But the…

3 Health Insurance Tax Tips When You’re Ready to File Your 2020 Taxes

| Health Insurance | 63 Comments
If you’re like most Americans, you’re glad to see 2020 in the rearview mirror. And now, the next big task on your to-do list might…

3 Business Benefits of Offering HRAs

| HRAs | No Comments
If you are still unsure and on the fence about health insurance and transitioning your company’s benefits program away from offering a group health insurance…

3 Family Dynamic Changes That Qualify for a Special Enrollment Period

| Lifestyle | One Comment
There are some life-changing events that come planned well in advance. Other changes come as a complete surprise. Life is a roller coaster of dynamic…

Understanding Your Short Term Health Insurance Plan Options

| Health Insurance | 40 Comments
More and more Americans these days are getting smart and savvy about using the Marketplace to find health insurance. And many are tapping into the…

Can a Small Business Set Up Its Own HRA?

| HRAs | 3,501 Comments
As a small business owner or principal, you are sold on the idea of implementing a Health Reimbursement Arrangement (HRA) for your employees. But there…

3 New Year’s Resolutions You Can Stick to in 2021

| Lifestyle | 36 Comments
This time of year, millions of Americans vow to make changes in the new year. It’s probably why you usually see an abundance of advertising…

3 Top Health Insurance Terms Explained

| Health Insurance | 96 Comments
When you try to understand your health insurance plan’s explanation of benefits or look to explore new insurance plans on the marketplace, you might run…

Ready to Switch from Group Coverage to ICHRA? Here’s What to Do Next

| HRAs | 106 Comments
With the compounding implications of the pandemic, businesses are looking for better solutions to offer their employees in terms of health insurance benefits. You have…

Changing Doctors? 3 Things to Consider When Finding a New Healthcare Provider

| Lifestyle | 54 Comments
Many Americans consider themselves fortunate enough to like and respect their healthcare providers. But doctors retire. Health organizations change parent companies. Sometimes patients need more…

Who Qualifies for a Catastrophic Health Insurance Plan?

| ACA | 73 Comments
With so many types of health insurance plans and options, it can be challenging to decipher, which is the best and most affordable for you…

How to Choose Between HRAs & Group Health Insurance Plans

| HRAs | 103 Comments
Businesses large and small are re-evaluating their company health insurance offerings right now. You, too, may be reviewing your options and finding the decision a…

3 Tips to Help You Relax & Find Peace of Mind This Holiday Season

| Lifestyle | 68 Comments
There’s no question that 2020 has been an emotionally challenging year for everyone. Some households experienced significant income losses due to job furloughs. Others faced…

Moving in Mom? 3 Steps to Take When Caring for a Senior Loved One

| Lifestyle | 1,762 Comments
Every year, thousands of Americans face a daunting decision. Aging parents and senior loved ones may be ready to transition out of their family home.…

What Is Coinsurance & What Does It Mean for You?

| Health Insurance | 110 Comments
As you browse the available health insurance plans during this Open Enrollment period, you may find yourself confused about some of the terms and conditions.…

HRA’s & Medicare: How Does It All Work?

| HRAs, Medicare | 89 Comments
There are so many layers to available health insurance these days. It can be difficult to navigate your options when you aren’t sure about the…

What’s New in Healthcare for 2021?

| Health Insurance | 40 Comments
Let’s be honest. The sooner we can get 2020 in the rearview mirror, the better, right? With the pandemic, millions experiencing unemployment, and even “murder…

Your Health Insurance Options When You’re Unemployed

| Lifestyle | 105 Comments
It’s been a tough year for everyone. And if you’re like thousands of Americans, you’re also without a job right now. And while you’re probably…

ICHRA May Be a Game Changer for Employers

| ICHRA | No Comments
Healthcare is expensive, and you probably won’t find anyone on either side of the political aisle who will disagree with you. The costs associated with…
A woman looks out over a city skyline.

Adulting 101: 3 Things Young Adults Need to Do When Starting Out On Their Own

| Lifestyle | 85 Comments
It’s a great big world out there, and you’re ready to venture out to make your mark. You’re young and have big ideas. And while…
Two hands shaking.

Rock the Big Interview: 3 Questions You Have to Ask Before Accepting

| Lifestyle | One Comment
Congratulations on making it to the comprehensive interview phase of your new potential career! It’s a big step, and you might have a little anxiety…

The 3 Most Common HRA Questions from Employees, Answered

| HRAs | 40 Comments
Let’s talk about health reimbursement arrangements (HRAs) for a minute. These plans are becoming more popular among employers as companies look for new ways to…

How to Buy Health Insurance When Subsidies Aren’t Available to You

| ACA | 84 Comments
Open Enrollment is happening now on the Marketplace. And for millions of Americans, the affordable health insurance options are much needed. But what if you…

Thinking About Starting Your Own Business? 3 Key Details to Consider First

| Lifestyle | 37 Comments
You have waited long enough. It’s time to take the leap into the entrepreneurship arena and start your own business. You are confident that your…

3 Requirements You Should Expect from Your Marketplace Health Insurance Plan

| ACA | 36 Comments
Open Enrollment is happening now, and as you consider your options for health insurance coverage in 2021, you might be curious about expectations. You still…

How Medicare Works Via a Health Insurance Exchange – What to Know

| Medicare | 69 Comments
The United States is well-known for expensive healthcare. To give yourself peace of mind, even in the face of disaster, it’s wise to get insured.…
Questions about Insurance 2020. Question marks scattered. Some of them glow orange.

3 of the Biggest Marketplace Health Insurance Questions This Year

| ACA | 96 Comments
This year, for many, has certainly come with its share of difficult challenges. Americans can, however, look forward to the joys of the holiday season…
Medicare Enrollment Form

How Medicare Works and How to Enroll

| Medicare | 73 Comments
Medicare is a federal health insurance program designed to help people cope with their medical expenses. There are several categories with different coverages. You may…
Preventative Care a nurse puts their hand on a patient, while checking vital signs.

3 Free Preventative Care Appointments You Can Make Today

| Lifestyle | 38 Comments
Having health insurance is a necessity. You choose a plan to help pay for extenuating costs associated with treating illnesses, suffering accidents, or incorporating prescriptions.…
Health Insurance Costs. Four American twenty dollar bills are shown.

Health Insurance Costs: 3 Things to Consider When Affordability Matters

| ACA | 43 Comments
Open Enrollment is just around the corner. The Marketplace opens up for new plan selection on Sunday, November 1st, and will remain open through December…
ACA Premiums. American Flag, American money, and a stethoscope.

How 2021 ACA Premiums will affect the HRA Market

| ACA | 66 Comments
There isn’t an industry that hasn’t been affected by the dynamic shifts and economic hardships of 2020. Some are struggling to re-emerge while other business…
Understanding Provider Networks. Hand securing blood pressure cuff.

Understanding Provider Networks

| ACA | 96 Comments
As you explore your health insurance options, you’re often bombarded with lingo and jargon that can be confusing. To understand what plan benefits are available…

3 Self-Employed Health Insurance Questions Answered

| ACA | 18 Comments
If you are self-employed, whether you own a business or are freelancing as a 1099 contractor, you need health insurance. But navigating those waters, with…
Medicare Basics. Man and a woman holding a tablet and a bottle of medication.

Medicare Basics to Help You Decide on the Right Health Insurance Plan

| Medicare | 92 Comments
Established in 1965, Medicare is the federal health insurance program primarily for individuals who are 65 and older. This program plays a key role in…
How to Choose the Best Health Plan.A folder marked "Health Insurance" on the tab.

How to Choose the Best Health Plan for You: HMO, POS, PPO, and EPO Explained

| ACA | 89 Comments
While sifting through your health insurance options, you’ve probably noticed these acronyms – HMO, PPO, EPO, and POS, and likely shrugged and moved on. Who…
Hands typing on a laptop

3 Key Reasons You Should Re-Evaluate Your Health Insurance Plans Annually

| ACA, Lifestyle | 2 Comments
In today’s fast-paced world, consumers come to expect certain efficiencies with their service providers. From bundling services and billing to setting up automatic payment and…
Why you need health insurance. Stethoscope on table.

Why You Need Health Insurance: 3 Scenarios You Don’t Ever Want to Face without It

| Medicare | 37 Comments
You may find yourself in a position where you face a lapse in insurance coverage. Maybe you’re between jobs or experiencing a life-changing event. You…
Quitting your job? A home office "Do More." is writing on computer screen

Quitting Your Job? How To Prepare Before You Quit

| Lifestyle | 44 Comments
You have ultimately decided to leave your current job. Maybe it’s because you have a new opportunity with a different company. Some people decide it’s…
When You Get Fired. A young woman looking forlorn

Instant Changes That Happen When You Get Fired

| Lifestyle | 66 Comments
Getting fired from a job can feel devastating in the moment, especially if you didn’t suspect a termination was coming. But companies fire employees all…
Social Determinants of Health. Astethoscope and red heart

The Social Determinants of Health: What Are They, and What Impact Do They Have on Health?

| ACA | 38 Comments
Our health status is often a consequence of our age, inherited genetics, and behavioral decisions. However, there are other, often overlooked influences such as where…
Moving to a New State. A woman looking at a map

What to Consider When You’re Moving to a New State

| Uncategorized | 38 Comments
If you're facing a move to a new home, knowing what to put on your to-do list is critical. But when that move has you…
Essential Health Benefits. Image of a stethoscope, pills, bandages and assorted medical paraphernalia.

The 10 Essential Health Benefits All Plans Are Required to Cover

| Uncategorized | 67 Comments
Did you know that the Affordable Care Act (AKA: the ACA / Obamacare) requires all health plans within the Marketplace to cover certain health care…
Moving Checklist. A dog sits in a carboard box

3 Things to Add to Your Moving Checklist

| Lifestyle | 93 Comments
If you’re planning a move, you are probably feeling like an expert at creating checklists. There are so many tasks to consider, things that will…
Your New Baby. A pacifier

The Most Important Things to Give Your New Baby

| Lifestyle | 46 Comments
Congratulations are in order! You are now responsible for a precious new and tiny life in the world, and your family couldn’t be more thrilled.…
Summary of Benefits and Coverage. A stethoscope pictured.

Your Guide to Reading a Summary of Benefits and Coverage

| Medicare | 44 Comments
When shopping for a health insurance plan on a Marketplace, you may have come across a link to a document titled “Summary of Benefits and…
Getting Married . Two rings

Surprising Changes That Come with Getting Married

| Lifestyle | 101 Comments
Getting married offers a host of reasons to celebrate. You’re making the official commitment to spend the rest of your life with the one you…
Health Insurance Tiers. A stethoscope and credit card

Metals Are Not Just Awards. From Bronze to Platinum, Here’s What These Names Mean for Health Insurance.

| ACA | 104 Comments
When searching for a health insurance plan in the Marketplace, you may have noticed that each one has a type of metal - bronze, silver,…
Find a New Job Before Your Health Insurance Runs Out. A tablet with virtual application

How to Find a New Job Before Your Health Insurance Runs Out

| Lifestyle | 64 Comments
Over the last few months, millions of Americans found themselves furloughed, laid off, and without work through no fault of their own. Some data suggests…
What To Do When You're Furloughed. A man looks outside through blinds in a window

What To Do When You’re Furloughed

| Lifestyle | 7 Comments
For many Americans, the shelter in place orders and economic shutdown brought layoffs and furloughs. While you may be left feeling isolated, concerned, and anxious,…
Health Plan Star Ratings. 5 stars sit above a cellphone in someone's hand

Health Plan Star Ratings, Explained

| ACA | 58 Comments
While browsing Affordable Care Act (ACA) plans, you may have noticed that each one has a star rating from 1 to 5, 5 being the…
Unexpected Life Changes. A computer keyboard with a "FIND JOB" button

3 Unexpected Life Changes and How to Handle Them

| Lifestyle | 101 Comments
Life happens, and that sometimes means unexpected changes to family, career, and health. While there are presumably thousands of potentially blind-siding life dynamics that affect…
Married During Quarantine? A couple being married while wearing covid protection

Married During Quarantine? 3 Things You Need to Do Next

| Lifestyle | 38 Comments
Wedding dates in the midst of quarantine conditions presented new and unique challenges. Couples who initially postponed or even canceled their original plans for the…
ICHRA: COBRA and ERISA. Cobra is written in wood on a clipboard, paperwork is along side.

ICHRA: COBRA and ERISA

| ICHRA | 385 Comments
Definitions ICHRA – Individual Coverage Health Reimbursement Arrangement ERISA – Employee Retirement Income Security Act COBRA – Consolidated Omnibus Budget Reconciliation Act Overview ICHRA is…
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ICHRA Affordability

| ICHRA | 63 Comments
Does your business have more than 50 full-time equivalent (FTE) employees? If so, the Affordable Care Act (ACA) requires you to provide health insurance to…
COBRA Coverage vs. ACA Plans. A calculator, piggy bank, and stethoscope

COBRA Coverage vs. ACA Plans: How to Choose the Best Health Coverage for You

| ACA | 277 Comments
If you’ve recently lost or left your job and you no longer have employer-sponsored health coverage, you may be thinking: Now what? We know this…
puzzle pieces - a new person joins three others already connected.

ICHRA Employee Classes

| ICHRA | 220 Comments
ICHRA is a cool new benefit design that has been available since January 2020. This type of HRA is a great option for employers looking…
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ICHRA Design Rules

| ICHRA | 194 Comments
Individual Coverage Health Reimbursement Arrangement, or ICHRA (pronounced “ick-rah”) is a new benefit design that has been available since January 2020. This type of HRA…
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All About Medicaid

| Medicare | 38 Comments
What is Medicaid? Medicaid is a joint federal and state program that allows Americans to receive free or low-cost health insurance. Together with the Children’s…
"Employee Benefits Package Summary of Benefits" written on paper.

ICHRA vs. Group Plans: Comparisons, Responsibilities, and Risks

| ICHRA | 108 Comments
Individual Coverage Health Reimbursement Arrangement or ICHRA (pronounced “ick-rah”) is a new health benefit design that has been available since January 2020. This type of…
wooden letters H R A

ICHRA Background

| ICHRA | 93 Comments
The Individual Coverage Health Reimbursement Arrangement or ICHRA (pronounced “ick-rah”) is a relatively new health benefit design that has been available since January 2020. This…
Two hands surrounding a paper cutout of a man in a suit and briefcase, on top of a desk.

An Introduction to ICHRA

| ICHRA | 47 Comments
An Individual Coverage Health Reimbursement Arrangement (ICHRA, “Ick-ra”), sometimes called an individual integrated HRA, is a brand-new employee benefit for 2020. Unlike other HRAs, ICHRA…
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Everything you need to know about the Advanced Premium Tax Credit (APTC)

| ACA | 77 Comments
If you buy your own health insurance, this one’s for you! Learn how to save with the Advanced Premium Tax Credit (APTC). As part of…
When Employer Coverage Ends. A hand moves a wooden blocks with a medical cross printed on it. Four other blocks are next to that one.

A Personal Journey: Enrolling in a Health Plan When Employer Coverage Ends

| Medicare | 66 Comments
Like many Americans, I found myself in the unenviable position of needing to enroll in health coverage as a result of my spouse being laid…
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Special Enrollment Periods and Qualifying Life Events: What You Need to Know Amid COVID-19

| COVID-19 | 164 Comments
The novel coronavirus (COVID-19) pandemic has severely affected the American workforce, with over 6.6M people filing for unemployment in a single week at the end…
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Your Guide to Health Insurance Amid COVID-19

| COVID-19 | 43 Comments
Over the last few weeks, the novel coronavirus (COVID-19) pandemic has put the nation on high alert, as concerns rise that the virus will significantly…

How ICHRA is Stabilizing the ACA Marketplace

| ICHRA | No Comments
The Affordable Care Act (ACA) Marketplace is going through a transformation. What is influencing this long awaited change? The rise of Individual Coverage Health Reimbursement…

ICHRA and Technology Partners: A New Era of Health Benefits

| ICHRA | No Comments
The health insurance industry is evolving, and Individual Coverage Health Reimbursement Arrangements (ICHRA) are leading the charge. This shift towards a more flexible, personalized approach…

The Future of Health Coverage: Predictions and Trends Involving ICHRA

| ICHRA | No Comments
The landscape of employee health coverage is continuously evolving, and Individual Coverage Health Reimbursement Arrangements (ICHRAs) are at the forefront of this transformation. As we…

The Evolution of Employee Health Benefits: How ICHRAs are Changing the Game

| ICHRA | No Comments
The introduction of ICHRAs marks a significant evolution in the sphere of employee health benefits. By blending flexibility, personalization, and employer affordability, ICHRAs represent a…

Navigating ICHRAs: A Step-by-Step Guide to Implementation and Management

| ICHRA | No Comments
In today’s dynamic work environment, adapting to innovative solutions like ICHRAs can significantly enhance a company’s ability to provide competitive and satisfying health benefits. With…

A Comprehensive ICHRA Guide for Employers and Employees

| ICHRA | No Comments
ICHRA continues to be the topic of conversation when it comes to provide health insurance benefits to employees. As healthcare needs and workplace benefits evolve,…

Success Stories of Businesses Implementing ICHRA

| ICHRA | No Comments
The implementation of Individual Coverage Health Reimbursement Arrangements (ICHRAs) have been a game-changer for many businesses, big and small. Here are real-life case studies of…

Say Goodbye to the Family Glitch and Hello to ICHRA

| ICHRA | No Comments
A fix to the infamous Family Glitch would eliminate a coverage gap in the Affordable Care Act (ACA) that led to unaffordable coverage for 5.1…

ICHRA and State-Based Marketplaces: Increase Enrollment Rates in New Markets

| ICHRA | No Comments
States can improve enrollment rates by supporting Individual Coverage Health Reimbursement Arrangements (ICHRAs). The landscape for employer-sponsored health insurance constantly changes. Annual rate increases are…

How Brokers Can Get the Most Out of ICHRA

| Brokers, ICHRA | No Comments
Get ready to expand into new markets and grow your client base with the new alternative to the outdated traditional group coverage. An Individual Coverage…

3 Top ICHRA Legal Questions

| ICHRA | No Comments
We often discuss some of the more commonly asked questions from business owners and HR professionals who are exploring ICHRA for the first time. But…

Understanding Insurance Options for the Self-Employed

| ICHRA | No Comments
We often discuss the many benefits of ICHRAs for small, medium, and large businesses. But how does coverage work if you’re a solopreneur who’s self-employed,…

3 Most Common ICHRA Questions Employees Will Ask

| ICHRA | No Comments
Excited about getting a company’s ICHRA set up and introduced to employees? They’ll appreciate the reimbursement model far more than the one-size-fits-all, often costly, group…

An Employer’s Guide to Meeting ICHRA Notice Requirements

| ICHRA | No Comments
Employers gain cost benefits, flexibility advantages, and employee-facing perks worth leveraging when they implement an Individual Coverage Health Reimbursement Arrangement (ICHRA) model; however, they must…

How To Choose Between an ICHRA & Group Insurance Plans

| ICHRA | No Comments
It’s important to explore your company’s options for health insurance benefits each year. And while it seems best to stick with what you know and…

How an ICHRA and Off-Exchange Meet

| ICHRA | No Comments
As a business leader, you’re always looking for more efficient ways to improve your employees’ benefits plans. But you’re also mindful of your budgets. Considering…

Medicare and ICHRA: A Complementary Layer of Benefits

| ICHRA, Medicare | No Comments
The number of Americans eligible for Medicare continues to grow alongside companies adopting Individual Coverage Health Reimbursement Arrangements (ICHRA). The flexibility and cohesion of both…
Health insurance costs

Health Insurance Costs Covered Under an ICHRA

| ICHRA | No Comments
Individual Coverage Health Reimbursement Arrangements (ICHRAs) are transforming how today's businesses provide benefits to employees. Significant advantages to both the company's bottom line as well…
small group

How to Capitalize on the Underserved Small Group Health Insurance Market

| Brokers, Healthcare News, ICHRA | No Comments
Brokers must always look for new ways to capitalize on growth opportunities and revenue channels; however, there’s one underserved group of small businesses that many…

Companies that Qualify for an ICHRA

| ICHRA | No Comments
The Individual Coverage Health Reimbursement Arrangement (ICHRA) model is considered the best way forward for thousands of businesses nationwide because of its customizable affordability, flexible…

How ICHRAs Work with Brokers

| Brokers, ICHRA | No Comments
The Individual Coverage Health Reimbursement Arrangement (ICHRA) quickly gained traction among thousands of U.S.-based companies by providing coverage to employees previously ineligible through their traditional…

Customizing an ICHRA Solution

| ICHRA | No Comments
Companies are adapting and trying to find new ways to innovate in today’s new world. There are new customer-driven and economic demands driving leaders to…
ICHRA

3 Things Employees Need to do When Transitioning to an ICHRA

| ICHRA | No Comments
The Individual Coverage Health Reimbursement Arrangement (ICHRA) quickly gained traction among thousands of U.S.-based companies in 2021. It’s much different from the traditional group health…
ICHRA

The Other Guys vs. ICHRA

| ICHRA | No Comments
When it comes to selecting a health insurance benefit option for your employees, you'll apply the same level of due diligence and care as any…
Design an ICHRA

Learn How to Design an ICHRA Solution

| ICHRA | No Comments
An Individual Coverage Health Reimbursement Arrangement (ICHRA) provides the flexibility and control needed for a personalized coverage model. Customize your health coverage offerings by taking…

How ICHRA & APTC Work Together

| ICHRA | No Comments
Adopting an Individual Coverage Health Reimbursement Arrangement (ICHRA) platform for company benefits allows employees to utilize the Advance Premium Tax Credit (APTC) on the ACA…

3 Reasons Why ICHRA Makes Sense in a Post-Pandemic Workplace

| ICHRA | No Comments
We often share the most important benefits of adopting an Individual Coverage Health Reimbursement Arrangement (ICHRA) platform for company benefits. And those reasons may be…

ICHRA in Comparison

| ICHRA | No Comments
As a business owner, you’re savvy about making decisions for your company. You consider all objective benefits and disadvantages before taking the leap. You crunch…

An Employers Guide to Reimbursement

| Business, ICHRA | No Comments
Part of what attracted you to the Individual Coverage Health Reimbursement Arrangement, or the ICHRA (pronounced ick-rah,) included the flexibility and control the coverage model…

W3LL’s Guide for Designing and Implementing an ICHRA

| ICHRA | No Comments
1. Designing Your ICHRA First things first, determine your business needs and goals to decide which version of an Individual Coverage Health Reimbursement Arrangement (ICHRA)…

Common Misconceptions About ICHRA

| ICHRA | No Comments
Before you officially commit to setting up an ICHRA for your company, you want to know the facts. And while the widespread adoption of the…

3 Reasons Why an ICHRA Makes Sense Now

| ICHRA | No Comments
The widespread adoption of the ICHRA model continues, and its popularity among a variety of industry segments can't go unnoticed anymore. It’s more than just…

How ICHRAs Work with Ancillary Products

| ICHRA | 867 Comments
Healthcare, in general, has evolved over the years with advancements in medicine and new technologies. It used to be that patients would visit one primary…

Most Common Questions Asked About ICHRAs

| ICHRA | 74 Comments
We’ve dedicated a considerable amount of time in recent months exploring the benefits and advantages companies are leveraging with the Individual Coverage Health Reimbursement Arrangement.…

3 Ways an ICHRA Keeps Risks Low

| ICHRA | 195 Comments
The Individual Coverage Health Reimbursement Arrangement (ICHRA) model offers employers a simpler way to provide personalized and affordable health insurance to their employees. ICHRA represents…

The Demand for ICHRA Solutions Continues to Rise

| ICHRA | 102 Comments
In boardrooms and Human Resources offices across the country, the discussion of the Individual Coverage Health Reimbursement Arrangement (ICHRA) is prevalent. Today’s economy is much…
ichra employee classes

Employee Classes for ICHRAs

| ICHRA | 22,118 Comments
The Individual Coverage Health Reimbursement Arrangement (ICHRA) offers a great alternative to traditional group insurance. For employers looking to provide their employees’ benefits for the…
ICHRA for your business

Find Out if an ICHRA Fits Your Business

| Business, Healthcare, ICHRA | 146 Comments
With the costs and maintenance of traditional group insurance plans skyrocketing, businesses are turning to more creative solutions to meet their insurance needs. An Individual…

How the Increase in Benefit Allowances Will Affect Employees and Employers

| ICHRA | 51 Comments
The data is out, and the word on the street is that benefit allowances are increasing with the widespread adoption of the Individual Coverage Health…
Open Enrollment 2022

A Recap of ICHRA Offerings as We Near Open Enrollment 2022

| ICHRA | 134 Comments
We’ve talked a lot about the widespread adoption and popularity of the Individual Coverage Health Reimbursement Arrangement (ICHRA.) So many companies have already embraced the…

What 2021 SEP Numbers Tell Us About the Future of ICHRA

| ICHRA | 45 Comments
The 2021 Marketplace Special Enrollment Period (SEP) provided Americans the opportunity to enroll in coverage through the ACA Marketplace; many struggled with the COVID-19 pandemic…

3 Differences Between HRAs, HSAs & FSAs

| ICHRA | 138 Comments
There are several benefit types that employers can offer their employees to help them manage out-of-pocket medical expenses. A few of the more popular choices…

ICHRA Saw an Increase in State-Based Classes as Companies Spread Out

| ICHRA | 158 Comments
Sure, we’ve been saying just how popular the Individual Coverage Health Reimbursement Arrangement is for some time now. And while many businesses see countless benefits…

3 Reasons Why Employer-Sponsored Plans are On Their Way Out

| ICHRA | 39 Comments
Some trends just don’t have staying power. And when you’re talking about the puffy shoulder pads and parachute pants from the 80s, it’s probably best…

3 Steps Employers Need to Take to Set Up Their ICHRA Reimbursement Procedure

| ICHRA | 138 Comments
If you’re ready to officially move forward with the setup and launch of your company ICHRA, you’ll want to be sure you're streamlining every step…

3 Reasons Why 2021 is the Perfect Time to Switch to an ICHRA

| ICHRA | 56 Comments
Individual Coverage Health Reimbursement Arrangement (ICHRA) is still considered the new kid on the block after becoming a viable alternative to traditional group health insurance…

How to Explain to Employees that You are Transitioning to an ICHRA Solution

| ICHRA | 138 Comments
You know the Individual Coverage Health Reimbursement Arrangement (ICHRA) is good for your business from a budget standpoint and a flexibility perspective. You also anticipate…

3 Coverage Options You Can Pair with an ICHRA

| ICHRA | 140 Comments
Growing companies across all types of industries are realizing there are new options for providing health benefits to employees these days. And one of those…

Your Employer Offered You an ICHRA, What’s Next?

| ICHRA | 40 Comments
More and more employers are switching over to Individual Coverage Health Reimbursement Arrangements (ICHRAs) to offer affordable and comprehensible health insurance to their employees. However,…

Quick Guide to ICHRA Substantiation Requirements

| ICHRA | 117 Comments
Individual Coverage Health Reimbursement Arrangements keep gaining traction among businesses as the most cost-effective way to provide benefits to their employees. With the many benefits…

Top 3 Employee Questions About ICHRA

| ICHRA | 265 Comments
When it comes to Individual Coverage Health Reimbursement Arrangements, also referred to as ICHRAs (ick-rahs,) businesses seem to know and welcome all of the various…

How the Biden Administration will Help Strengthen ICHRA

| ICHRA | 137 Comments
Individual Coverage Health Reimbursement Arrangements (ICHRAs) continue to be the popular way forward for countless businesses looking to explore more affordable employee benefits options. But…

3 Things Brokers Should Know About ICHRAs (And How to Benefit from Increased Savings with Them)

| ICHRA | 76 Comments
Individual Coverage Health Reimbursement Arrangements (ICHRAs) are fast becoming the popular benefits solutions for countless businesses. With benefits like expense control and employee flexibility, companies…

3 Ways ICHRA Grows with Your Company

| ICHRA | 198 Comments
Individual Coverage Health Reimbursement Arrangements (ICHRAs) are quickly becoming the new way to provide employee health-related benefits. These unique platforms allow companies to offer cost-controlled…

Renewed Energy in the ACA Places ICHRA in a Position of Unparalleled Growth

| ICHRA | 47 Comments
There is a great deal of talk in recent weeks about the Individual Coverage Health Reimbursement Arrangement (ICHRA). Often viewed as a super-charged version of…

Traction with CBO Spells out Good News for ICHRA

| ICHRA | 35 Comments
We recently shared the latest news regarding the Congressional Budget Office (CBO) and its guide for a federally governed public option health insurance plan. The…

Your Top 3 ICHRA Compliance Questions Answered

| ICHRA | 71 Comments
Considering just how popular Individual Health Coverage Reimbursement Arrangements (ICHRAs) are right now, businesses are also asking a lot of ICHRA-related questions. Businesses are recognizing…

A 3-Step Guide to ICHRA Affordability Rules

| ICHRA | One Comment
If you're like many American companies in 2021, you may be exploring different and more cost-effective options for offering employee health insurance. The costly group…

3 Ways to Save with ICHRA

| ICHRA | 121 Comments
Transitioning to a new way of offering health benefits can be overwhelming and costly. Not only can an Individual Coverage Health Reimbursement Arrangements (ICHRA) save…

What to Look for in an ICHRA Administrator

| HRAs, ICHRA | 186 Comments
As more and more organizations are turning towards the multitude of benefits offered by an Individual Coverage Health Reimbursement Arrangement (ICHRA), it’s important to choose…

Is ICHRA Right for My Business?

| ICHRA | 37 Comments
With the costs and maintaince of traditional group insurance plans skyrocketing, businesses are turning to more creative solutions to meet their insurance needs. An Individual…

3 Reasons to Offer ICHRA During Renewal Season

| HRAs, ICHRA | 37 Comments
Renewal season offers companies the opportunity to sign up for new health insurance plans or renew their current plans. Fluctuating renewal rates, contract negotiations, and…

3 Reasons Employers are Leaving Group Plans and Transitioning to ICHRA

| Business, Health Insurance, HRAs, ICHRA | 180 Comments
Group plans can be confusing and expensive, forcing one-size-fits-all plans without the possibility of customization. Companies are switching away from more traditional plans to those…
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ICHRA and The American Rescue Plan

| ACA, HRAs, ICHRA, Uncategorized | 133 Comments
The American Rescue Plan (ARP) makes it much more affordable for individuals to secure coverage through the Marketplace. The increased availability of tax credits to…
Woman thinking

My Employer Offered Me an HRA, Now What?

| HRAs, ICHRA | 140 Comments
Many employers are offering a health reimbursement arrangement (HRA) because it provides a flexible way for employers to offer health insurance reimbursements to their employees.…
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3 Categories of Common ICHRA Compliance Questions

| HRAs, ICHRA | 169 Comments
When you make the official decision to move forward with adopting an ICHRA for your business, it doesn’t mean you still don’t have questions. Whether…
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3 Ways to Improve ICHRAs

| HRAs, ICHRA, Uncategorized | 39 Comments
While many businesses are flocking to ICHRA solutions for the first time, there are thousands of companies that already leverage the increased flexibility of an…
hands on laptop

3 Health Insurance Terms Helpful in Choosing a Plan – Part 3 Coverage

| HRAs, ICHRA | 37 Comments
In our first two segments of health insurance terms explained, we highlight what you need to know to help you understand costs and enrollment eligibility.…
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Does ICHRA Make More Sense for a Group or Individual Broker?

| Health Insurance, Healthcare, HRAs, ICHRA | 182 Comments
Individual Coverage Health Reimbursement Arrangements (ICHRAs) continue to be incredibly popular benefits platforms for businesses of all sizes. Rebounding from the economic hardships imposed by…
cost written on blackboard arrow going up

3 Health Insurance Terms and How they Help you Choose a Plan – Part 2 Costs

| Health Insurance, HRAs, ICHRA, Uncategorized | 35 Comments
In the complicated arena of health insurance, we know half the battle of choosing a plan lies in understanding the various terms. Exploring the marketplace…
The White House

Will ICHRA be Supported by the Biden Administration?

| ICHRA | 52 Comments
With the increased popularity of the Individual Coverage Health Reimbursement Arrangement (ICHRA) among American businesses, there has certainly been an influx of marketplace applicants. President…
Two hands shaking through a computer screen

3 Things to Look for in an ICHRA Partner

| ICHRA | 52 Comments
You recognize the many benefits to your business in transitioning to offer an Individual Coverage Health Reimbursement Arrangement (ICHRA.) And you’re ready to move forward…
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Businesses Are Switching to ICHRAs (And It May Be Right for Your Business, Too)

| ICHRA | 101 Comments
There’s a lot of buzz and surge in popularity among businesses regarding Individual Coverage Health Reimbursement Arrangements. Companies large and small are recognizing the many…
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Should I Use the Tax Credit or the ICHRA My Company Provides?

| ICHRA | 110 Comments
With so many businesses adopting an Individual Coverage Health Reimbursement Arrangement (ICHRA,) there are thousands of Americans facing these new benefits for the first time.…

What Types of Companies Can Use an ICHRA?

| ICHRA | 205 Comments
You have probably heard all the buzz about offering an Individual Coverage Health Reimbursement Arrangement (ICHRA.) And at first glance, it sounds like the perfect…

3 Reasons Employees will love your ICHRA Plan

| ICHRA | 72 Comments
As a business owner at the helm or Human Resources professional, you see the inherent benefits of transitioning to an Individual Coverage Health Reimbursement Arrangement…

How Do I Start an HRA? 3 Steps to Take Next

| ICHRA | 132 Comments
You, much like many other business owners and benefits coordinators, have decided after a year like 2020, the best employee insurance benefit you can offer…

Paying for Medicare with ICHRA: What You Need to Know

| ICHRA | 505 Comments
We often talk about the various nuances that go along with qualifying for Medicare, how to use it, and for whom it’s intended to help.…

What Types of Health Insurance Costs Can Be Paid for With ICHRA Benefits?

| ICHRA | 173 Comments
Individual Coverage Health Reimbursement Arrangements (ICHRAs) are fast becoming a popular and affordable choice for companies to offer their employees. But it’s not a health…

ICHRA May Be a Game Changer for Employers

| ICHRA | No Comments
Healthcare is expensive, and you probably won’t find anyone on either side of the political aisle who will disagree with you. The costs associated with…
ICHRA: COBRA and ERISA. Cobra is written in wood on a clipboard, paperwork is along side.

ICHRA: COBRA and ERISA

| ICHRA | 385 Comments
Definitions ICHRA – Individual Coverage Health Reimbursement Arrangement ERISA – Employee Retirement Income Security Act COBRA – Consolidated Omnibus Budget Reconciliation Act Overview ICHRA is…
stethoscope wrapped around stack of money

ICHRA Affordability

| ICHRA | 63 Comments
Does your business have more than 50 full-time equivalent (FTE) employees? If so, the Affordable Care Act (ACA) requires you to provide health insurance to…
puzzle pieces - a new person joins three others already connected.

ICHRA Employee Classes

| ICHRA | 220 Comments
ICHRA is a cool new benefit design that has been available since January 2020. This type of HRA is a great option for employers looking…
piggy bank, calculator, pen and paper on a desk

ICHRA Design Rules

| ICHRA | 194 Comments
Individual Coverage Health Reimbursement Arrangement, or ICHRA (pronounced “ick-rah”) is a new benefit design that has been available since January 2020. This type of HRA…
"Employee Benefits Package Summary of Benefits" written on paper.

ICHRA vs. Group Plans: Comparisons, Responsibilities, and Risks

| ICHRA | 108 Comments
Individual Coverage Health Reimbursement Arrangement or ICHRA (pronounced “ick-rah”) is a new health benefit design that has been available since January 2020. This type of…
wooden letters H R A

ICHRA Background

| ICHRA | 93 Comments
The Individual Coverage Health Reimbursement Arrangement or ICHRA (pronounced “ick-rah”) is a relatively new health benefit design that has been available since January 2020. This…
Two hands surrounding a paper cutout of a man in a suit and briefcase, on top of a desk.

An Introduction to ICHRA

| ICHRA | 47 Comments
An Individual Coverage Health Reimbursement Arrangement (ICHRA, “Ick-ra”), sometimes called an individual integrated HRA, is a brand-new employee benefit for 2020. Unlike other HRAs, ICHRA…

Embracing AI: A Game Changer for Health Insurance Brokers

| Brokers | No Comments
The health insurance industry is experiencing transformative changes. For brokers, Artificial Intelligence (AI) is not just reshaping how they operate - it's enhancing their capabilities…

Brokers and Technology: The Ultimate Pair

| Brokers | No Comments
Ready to take enrolling and retaining clients to the next level? Scale current operations by investing in technology designed to save brokers’ resources while improving…

A Broker’s Guide to Targeting Hard-to-Reach Clients

| Brokers | No Comments
Getting clients to respond to outreach can be challenging. Many factors might lead to a disappearing client, so brokers must be on their A-game.   With…

3 Ways Brokers Can Scale Their Services and Increase Retention

| Brokers | No Comments
With an ever-growing client list, brokers need a simple way to manage their book of business and communication efforts. Having a single platform to track…

Brokers Must Increase Outreach Before the ARPA Subsidies Expire

| Brokers, Healthcare News | No Comments
The expiration of American Rescue Plan Act (ARPA) subsidies at the end of 2022 may result in 3 million members losing coverage. Reduced subsidies is…

How Brokers Can Get the Most Out of ICHRA

| Brokers, ICHRA | No Comments
Get ready to expand into new markets and grow your client base with the new alternative to the outdated traditional group coverage. An Individual Coverage…

3 Communication Channels Brokers Should Utilize for Improved Enrollment and Retention Rates

| Brokers | No Comments
A broker's ability to personally connect with clients is a key factor in improving enrollment and retention rates. Brokers fill the gap between health issuers…
member communication

3 Tips Brokers Need for Sending Effective Messages

| Brokers | No Comments
Building a strong relationship with members can dramatically increase retention rates. Constant communication and a positive user experience permits members to discover answers to their…
small group

How to Capitalize on the Underserved Small Group Health Insurance Market

| Brokers, Healthcare News, ICHRA | No Comments
Brokers must always look for new ways to capitalize on growth opportunities and revenue channels; however, there’s one underserved group of small businesses that many…

3 Ways for Brokers to Effectively Communicate with Clients

| Brokers | No Comments
Brokers need to engage in new and effective ways of communication with their clients in efforts to increase retention rates. Many brokers are already exploring…

How ICHRAs Work with Brokers

| Brokers, ICHRA | No Comments
The Individual Coverage Health Reimbursement Arrangement (ICHRA) quickly gained traction among thousands of U.S.-based companies by providing coverage to employees previously ineligible through their traditional…

3 Essential Tools for a Broker Portal

| Brokers | No Comments
Health plans looking to increase their enrollment and retention rates must lean on the support of distribution partners, especially brokers. Provide brokers with the tools…
Support Members

3 Ways Brokers can Better Support Members

| Brokers | No Comments
Increase your member retention rates by constantly expanding your arsenal of support tools and personalizing your outreach. W3LL works to provide a personalized set of…

How Health Plans Can Support Distribution Partners

| Brokers | No Comments
Health plans undergoing a platform upgrade often consider how their changes affect staff and members but must also weigh its effect on distribution partners. These partners,…

3 Ways Employers Can Eliminate Administrative Burden

| Employers | No Comments
When you sit down with your company numbers for 2021, you’ll immediately look for two key things. How did you do in sales, and how…