Looking for the open enrollment dates for the 2025 coverage year in your state? Learn when you can enroll in major medical insurance in your state!

Key Takeaways:  Short-term health insurance provides temporary, limited coverage for unexpected medical events, typically lasting one to four months.  These plans exclude pre-existing conditions and essential health benefits like preventive care or mental health services.  Ideal for gaps in coverage but lacks consumer protections and subsidies offered by ACA-compliant plans.  What Is Short-Term Health Insurance?  […]

Key Takeaways: ICHRA enables employers to reimburse employees for individual health plans, offering flexibility and tax advantages.  Employees benefit from personalized health coverage, tax-free reimbursements, and plan portability.  Employers gain predictable costs, ACA compliance, and simplified administration for health benefits.  An Individual Coverage Health Reimbursement Arrangement (ICHRA) allows employers to reimburse employees for health insurance […]

Key Takeaways:  Small businesses with fewer than 50 employees are not required to provide health insurance but can gain tax credits if they do.  Options like group plans, HRAs, and health stipends allow businesses to offer flexible benefits based on their budget and employees’ needs.  Selecting the right health benefit requires balancing costs, administrative capacity, […]

Learn about qualifying life events and special enrollment periods.

Short term coverage is great when you need coverage immediately, for a variety of reasons.

Key Takeaways: Self-employed individuals can choose health insurance through various options, including ACA Marketplace plans, spousal plans, Medicaid, and trade organization memberships.  Balancing cost with coverage needs is essential, as premiums, deductibles, and out-of-pocket limits vary across different plans.  Flexible coverage, like high-deductible plans, can be beneficial for those with changing incomes, while short-term insurance […]

Key Takeaways: ICHRA offers employers a modern way to provide personalized health benefits while maintaining budget control.  Employees gain the freedom to choose health insurance that fits their individual and family needs, offering flexibility traditional plans lack.  While ICHRA provides tax advantages and simplified administration, it requires compliance with ERISA, COBRA, and ACA regulations, which […]