Keeping up with the changing world of health insurance for self-employed, small groups of two and groups of 50 or more.
Health insurance plans for Business owners are affordable and low cost.
Leaving a traditional job to freelance, consult, or start a small business is exciting. It also means one thing your old employer used to handle now lands squarely on your plate: health coverage. For many people, this is the first time they’ve had to think about health insurance as a choice rather than a checkbox…
Health Insurance for Business Owners What Employers Can Expect: 2027 Health Insurance Premium Increases Renewal season is coming, and the numbers are already in from insurers and benefits consultants. Here’s what’s actually driving the increase, and where employers have room to respond. Lifestyle Advisors • Health Insurance for Business Owners If you sponsor a group…
What Is Direct Primary Care, and How Is It Different From Insurance? Direct Primary Care (DPC) gets mentioned a lot in conversations about controlling healthcare costs, but it’s often confused with insurance itself. It isn’t insurance — and understanding that distinction is the key to understanding why so many people pair it with something else….
HSA Strategies HSA Basics: What It Is and Why It’s Not “Use It or Lose It” Health Savings Accounts get confused with Flexible Spending Accounts more often than almost any other benefit, and that confusion costs people real money every year. If you’ve ever rushed to spend down an account before December 31 out of…
If you’ve ever stared at a medical bill wondering why you owe what you owe, you’re not alone. Most people can tell you their monthly premium down to the dollar, but ask them to explain the difference between a deductible and an out-of-pocket max, and things get fuzzy fast. Here’s the good news: once you…
Stimulants vs. Benzodiazepines: Know the Difference Two medication classes come up often in conversations with clients: stimulants like Adderall (prescribed for ADHD) and benzodiazepines like Xanax (prescribed for anxiety). They work very differently in the body, and they carry very different risk profiles. Here’s what’s worth knowing about each. Adderall & Stimulants What they’re for:…
Introducing “Health Plan Strategies & Education Nuggets” — Our New Weekly Webinar Starting Wednesday, August 5 at 11:30 AM, Lifestyle Advisors is launching a free weekly webinar series designed to help you actually understand your health coverage, not just enroll in it. Every Wednesday, we’ll open with a quick recap of that week’s article, then…
ICHRA Explained: A Defined-Contribution Model Built for Employers of Any Size If you’ve heard the term “ICHRA” thrown around but never gotten a plain-English explanation, here’s the short version: it’s a way for employers to fund employee health coverage without sponsoring a traditional group plan at all. The basic mechanics An Individual Coverage Health Reimbursement…
Making the Switch to ICHRA: A Step-by-Step Timeline for Employers If the last four articles have you convinced ICHRA is worth exploring, the next question is usually: “Okay — so how does this actually happen?” Here’s a realistic timeline for switching from a traditional group plan to an ICHRA, from first conversation to first reimbursement….
How Employees Win When You Switch to ICHRA: More Choice, Same Predictable Cost to You Every conversation about switching benefit structures eventually comes to the same question from an employer: “Will my employees actually like this, or will it feel like I took something away?” It’s a fair question. Here’s the honest answer: when it’s…
