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…
3 Ways Brokers Can Scale Their Services and Increase Retention
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
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…
Get ready to expand into new markets and grow your client base with the new alternative to the outdated traditional group coverage.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…
Members May Pay More or Lose Coverage When the ARPA Subsidies Expire
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
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,…
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
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
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…
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
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…
3 Tips Brokers Need for Sending Effective Messages
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…
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
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
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…
How to Capitalize on the Underserved Small Group Health Insurance Market
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…
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…
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 need to engage in new and effective ways of communication with their clients in efforts to increase retention rates. Many brokers are already exploring…
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…
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…
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
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…
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…
3 Things Employees Need to do When Transitioning to an ICHRA
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…
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
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,…
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
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…
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…
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
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
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)…
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…
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
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…
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)
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…
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.…
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…
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…
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…
3 Questions Employees Ask When Considering an ICHRA
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…
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…
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…
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…
3 Ways to Simplify Operations with a Remote Workforce
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…
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…
A Recap of ICHRA Offerings as We Near Open Enrollment 2022
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…
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
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
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…
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
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…
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
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…
ICHRA Saw an Increase in State-Based Classes as Companies Spread Out
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
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 Ways to Prepare Yourself for the Upcoming Medicaid Reassessment Wave
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 Reasons Why 2021 is the Perfect Time to Switch to an ICHRA
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
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
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 to Explain to Employees that You are Transitioning to an ICHRA Solution
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 Things to Keep in Mind About Insurance When Starting Your First Full-Time Job
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
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…
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
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…
How Approved SBM Funding for Enhancing Platforms will Affect Consumers
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,…
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,…
How to Ensure You’re Getting the Most Out of Your ACA Plan
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…
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 Considerations when Seeking a Mental Health Professional
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…
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,…
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
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
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 Things Brokers Should Know About ICHRAs (And How to Benefit from Increased Savings with Them)
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…
Regardless of Your Employment Class, Ensure You’re Getting the Most Out of Your Health Benefit Options
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
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.…
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
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…
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
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
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
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 Things You Should Know About the ACA Family Glitch
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…
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…
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
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
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?
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.…
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
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 the CBO’s Public Option Design Review Can Impact Consumers
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…
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
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…
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
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…
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 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 Elements Every Company Should Include in an HRA Plan Document
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…
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…
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…
3 Distinctions to Better Understand the Metal Tiers Behind Your Plan
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.…
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…
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
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…
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…
3 Reasons Employers are Leaving Group Plans and Transitioning to ICHRA
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…
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…
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…
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.…
Updates to the Special Enrollment Period – Now Through August 15th
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…
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…
3 Health Insurance Terms Helpful in Choosing a Plan – Part 3 Coverage
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.…
Does ICHRA Make More Sense for a Group or Individual Broker?
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…
3 Ways to Encourage a Growth Mindset Among Your Employees
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…
The American Rescue Plan Reduces Healthcare Costs and Extends Insurance Coverage
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…
3 Health Insurance Terms and How they Help you Choose a Plan – Part 2 Costs
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…
Will ICHRA be Supported by the Biden Administration?
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…
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…
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…
3 Ways to Stay Competitive with Your Employee Compensation Strategy
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…
Facing A Divorce? 3 Things to Do First During This Challenging Time
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…
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…
3 Ways to Improve Your Employees’ Health Insurance Experience
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…
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.…
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…
Businesses Are Switching to ICHRAs (And It May Be Right for Your Business, Too)
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…
How the Biden Administration Will Impact Businesses
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…
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…
Should I Use the Tax Credit or the ICHRA My Company Provides?
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.…
A New Special Enrollment Period – You Can Enroll in Health Insurance Again
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…
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…
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…
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…
What Are the Differences Between On Exchange vs. Off-Exchange Health Plans?
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…
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…
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
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
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
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…
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…
What Types of Health Insurance Costs Can Be Paid for With ICHRA Benefits?
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?
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…
Understanding the Advanced Premium Tax Credit: 3 Things to Know
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…
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…
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…
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
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
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…
How to Choose Between HRAs & Group Health Insurance Plans
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
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…
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.…
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…
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…
The 3 Most Common HRA Questions from Employees, Answered
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
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…
3 Requirements You Should Expect from Your Marketplace Health Insurance Plan
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…
3 of the Biggest Marketplace Health Insurance Questions This Year
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 is a federal health insurance program designed to help people cope with their medical expenses. There are several categories with different coverages. You may…
3 Free Preventative Care Appointments You Can Make Today
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: 3 Things to Consider When Affordability Matters
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…
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…
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
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 to Help You Decide on the Right Health Insurance Plan
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 for You: HMO, POS, PPO, and EPO Explained
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…
3 Key Reasons You Should Re-Evaluate Your Health Insurance Plans Annually
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: 3 Scenarios You Don’t Ever Want to Face without It
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…
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…
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…
The Social Determinants of Health: What Are They, and What Impact Do They Have on Health?
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…
How to Find a New Job Before Your Health Insurance Runs Out
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…
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,…
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? 3 Things You Need to Do Next
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…
Definitions ICHRA – Individual Coverage Health Reimbursement Arrangement ERISA – Employee Retirement Income Security Act COBRA – Consolidated Omnibus Budget Reconciliation Act Overview ICHRA is…
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…
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…
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…
ICHRA vs. Group Plans: Comparisons, Responsibilities, and Risks
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…
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…
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…
Special Enrollment Periods and Qualifying Life Events: What You Need to Know Amid COVID-19
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…
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…
ICHRA and State-Based Marketplaces: Increase Enrollment Rates in New Markets
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…
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…
Understanding Insurance Options for the Self-Employed
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,…
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
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…
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
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…
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 to Capitalize on the Underserved Small Group Health Insurance Market
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…
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…
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…
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 Employees Need to do When Transitioning to an ICHRA
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…
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…
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
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…
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…
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
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 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…
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…
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.…
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…
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…
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…
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…
A Recap of ICHRA Offerings as We Near Open Enrollment 2022
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
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…
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…