The ASO Self Funding Option

Administrative services only (ASO) is an arrangement in which a company funds the claims of its health insurance program, while purchasing only administrative services from the insurer. Available Administrative Services…

December Case Study: New York City Non-Profit Saves over $95,000 Using The Difference Card!

The Difference Card is a MERP Plan administrator. Using The Difference Card’s proprietary funding strategy, The Difference Card helped reduce the cost of a New York City-based non-profit on their…

Eight Benefit Trends (from SHRM, PayChex, Forbes and Mercer)

1. GLP-1 Drug Coverage Decisions GLP-1 drugs such as Ozempic and Wegovy, which are used to treat type 2 diabetes, drew attention as a weight loss tool in 2023 and…

An Update to Medical Debt

The Kaiser Family Foundation regularly updates its survey and polling results on the subject of Medical Debt. Recent polling shows that lowering out-of-pocket health care costs is by and large the public’s…

The ICHRA and QSEHRA

The ICHRA and QSEHRA are Health Reimbursement Arrangements that allow employers to reimburse employees for health expenses including insurance premiums. They are especially useful to small businesses looking to keep…

100 Million Americans in Medical Debt

The Kaiser Family Foundation has researched the growth in medical debt. To calculate the true extent and burden of this debt, the Kaiser Health Network-NPR investigation draws on a nationwide poll…

Top Ten Conditions by Cost

Sun Life is a stop loss insurance provider backing high claims for self insured plans. In the 2023 edition of its report of high cost claims The top ten in…

Adding up the potential tax savings of popular consumer-directed benefits.  

In this environment, benefits leaders are under pressure to get creative and help employees spend smarter and save more.   The most common consumer-directed benefits already deliver amazing tax savings, potentially…

2024 HSA Limits

Thanks to ongoing inflation, employees will be able to put more money into their health savings accounts next year. HSA contribution limits for 2024 will see one of the biggest…

The MERP Plan, A Strategy to Consider

There are many employer benefit funding options that maintain pre-tax status with the IRS. One common plan is referred to as an HRA, or Health Reimbursement Arrangement. Some employers allow their…