Direct Primary Care and Your Benefits Stack: What Employers Need to Know
As employers search for new ways to rein in rising healthcare costs, direct primary care (DPC) has emerged as another lever to pull. By shifting primary care to a flat-fee membership model, DPC can create more predictable expenses, reduce unnecessary claims, and improve everyday access to care for employees.
How ICHRA and QSEHRA Work with Premium Tax Credits
What happens to an employee’s premium tax credit eligibility when they get offered ICHRA or QSEHRA dollars? Learn more about how each HRA coordinates with premium tax credits and things you should consider as an employer before you implement a plan.
Connecticut Passes ICHRA Tax Credits. Here’s What Other States Are Doing
As federal efforts to codify ICHRA stalled in Congress, several states have begun pursuing their own solutions. Connecticut has become the latest state to adopt a state-level ICHRA tax credit. Here’s a look at the states leading the way and those worth watching.
Creating a Workplace Culture That Actually Supports Mental Health
This post breaks down what really supports mental health at work: a healthy culture, PTO people can actually use, leaders who care about employees’ lives, genuine specific appreciation, and real chances to give feedback and improve how work gets done.
Yes, You Can Start an ICHRA Mid-Year. Here’s How.
Wondering if you can start an ICHRA mid-year? You can. Learn how notice periods work, how a special enrollment period is triggered, and how to transition from group coverage without disrupting your employees’ benefits.
ACA Update: How Enrollment Fared for 2026
CMS’s latest data shows 2026 ACA enrollment declines were far more modest than experts predicted after enhanced premium tax credits expired. While some drop-off occurred, the individual market proved more resilient than expected. Here’s what the numbers reveal.
ICHRA and End-of-Year Tax Compliance [CHECKLIST]
Tax season is when ICHRA compliance gets tested. Use our benefit compliance checklist to stay organized, meet key filing requirements, and keep your ICHRA program compliant and audit-ready.
9 Frequently Asked Questions About Switching to an ICHRA
Switching from group health to an ICHRA comes with questions. This article breaks down the 9 employers ask most, covering start dates, contribution strategies, employee classes, compliance basics, and timelines for making the switch.
A Deeper Dive into ICHRA Contribution Strategies
Designing your ICHRA starts with defining how much to contribute and whether to include out-of-pocket healthcare expenses. This guide breaks down your options and how Benafica helps you model a contribution strategy that fits your business and budget.
How ICHRA Fares Heading into 2026
As ACA subsidies face uncertainty and group plan renewals keep rising, employers are rethinking their health benefits strategy for 2026. Explore how ICHRA remains a flexible, cost-stable option amid market volatility — and why getting an ICHRA quote now can help you plan ahead.
QSEHRA Contribution Limits Updated for 2026
Qualified Small Employer HRA (QSEHRA) limits for 2026 have been updated by the IRS. These contribution rules limit how much a small employer can contribute to employee health insurance premiums for the year. See the updated amounts for 2026 QSEHRAs.
Open Enrollment 2025: Your Guide to Choosing a Health Insurance Plan
Open enrollment season is here, which means it’s time to review your health plan settings for next year. Here’s your guide to what you can do during open enrollment, metal tiers, comparing key plan details, and making the best choice for you.