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Expert analysis on employee benefits, insurance strategy, compliance, and cost optimization for employers and brokers.
384 articles
ICHRA lets employers set a fixed monthly contribution. Employees pick the ACA marketplace plan that fits their life. No group underwriting, no one-size-fits-all network, no renewal volatility.
Multi-state employer coverage that scales across every time zone. ICHRA, national PPO networks, marketplace fallbacks, and state-specific compliance for distributed and remote workforces.
Find out how much you could save. Get plain-English alerts when insurance laws, OSHA rules, carrier actions, or building codes change in your state — before they affect your roof-work business.
Read more about employee benefits strategy for mid-market employers.
Samuel Newland is the founder of Benefitra, the benefits platform built for growing employers. CFP, broker, and operator of the seven-funding-path discovery framework.
Benefitra coverage by state: ACA marketplace plans, Medicaid context, employer group benefits, and ICHRA design across all 50 U.S. states, grouped by region.
Read more about employee benefits strategy for mid-market employers.
Read more about employee benefits strategy for mid-market employers.
Why Benefitra exists, how the team works, and the the pillars that shape every engagement: insurance, employee benefits, workers comp, and decision-support tools.
When a business owner in construction, home services, or manufacturing starts thinking about selling their company, the conversation usually begins with EBITDA.
If you run a service-industry business, whether a tire franchise, a restaurant group, a cleaning company, or an auto service chain, you have probably been throu
If you run a construction company, a roof crew, or any business where most of your workforce clocks in at a job site rather than an office, finding affordabl
When an employer first considers moving from a fully insured health plan to a level-funded or self-funded arrangement, one question comes up in almost every con
Every time an employee contributes to their health plan premiums out of their paycheck, both of you pay FICA taxes on that dollar before it ever reaches the car
If your employees struggle to get a same-day appointment with their doctor, you already know what usually happens next. They end up in an urgent care clinic at
When an employee gets a serious diagnosis, breaks a bone in a weekend accident, or spends four days in a hospital with an infection, the immediate concern is ra
When most employers evaluate PEO options, they focus on price, the carrier networks included in the benefits package, and the technology platform for payroll an
Most mid-size employers make their health plan funding decision once a year, when the renewal arrives with a new rate. Very few do the internal work beforehand
Answer 12 short questions and Benefitra grades your fit across six funding arrangements: fully insured, level-funded, self-funded, captive,.
BENEFITRA helps employers control health insurance costs with seven funding strategies — Fully-Insured, Level-Funded, Self-Funded, Self-Funded Captive,.
When a company moves from a fully managed carrier plan to a level-funded or self-funded arrangement, something changes that most employers do not anticipate. Un
When an employee accepts a job offer, they focus on salary. When they leave for a competitor, they usually cite salary too. What gets lost in that conversation
Compare any two of six funding arrangements side by side. Model the working capital, float interest, contract protections, and break even crossover a CFO.
When candidates compare job offers, the first number they look at is salary. The second is health coverage. By the time they get to dental and vision, most empl
Every year, a growing number of mid-size employers walk into open enrollment season with the same frustration: the group health plan they set up three years ago
Many employers who offer health coverage to their workforce believe that simply offering a plan is enough to satisfy their obligations under the Affordable Care
Every few weeks, a business owner with 40 to 80 employees loses someone they trained for a year to a company with 500 employees and a benefits package they cann
Every year, mid-size employers go through the same exercise. The renewal package arrives, the broker walks through the numbers, and the conversation narrows to
Most employers shopping for group health coverage get quotes from one or two funding arrangements. A fully insured plan from a major carrier, maybe a level-fund
Real client outcomes from BENEFITRA. Construction, real estate, mortgage, and trade businesses showing dollar-for-dollar what we delivered with audited numbers.
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