Understand your options
Practical articles that help business leaders and HR professionals make better decisions about their company's health benefits.
- 93
- articles
- 10
- topics
- 2
- guided tracks
Browse by topic
10 topics, from how plans are funded to what Utah employers need to know.
Guided learning tracks
Two structured paths through benefits modernization, built for the people who make and manage the decision.
- For business leaders
The Business Case
The financial argument for rethinking your company's health benefits. From rising premiums to ROI modeling.
Start the track - For HR professionals
The HR Playbook
What benefits modernization looks like operationally. Transitions, templates, and less admin work.
Start the track
Start here
Three pillar guides to start from. Each one links out to the deeper articles on its topic.
All articles
Jump to the area that's most relevant to your decision.
Plan structures and stop-loss
Plan structures · Stop-loss insurance
- Is Self-Funded Health Insurance Good for Employees? What Employers (and Their Teams) Should Know
- Level-Funded Health Plans Explained: The Middle Ground Most Brokers Don't Mention
- Self-Funded Health Insurance for Dummies: A Plain-English Guide for Business Owners
- Self-Funded vs. Fully-Insured Health Plans: Which Is Right for Your Business?
- The 3 Types of Employer Health Plans (And Why Most Small Businesses Only Hear About One)
- Claims Data: What You Should Be Seeing (And Aren't)
- What Are the Alternatives to Fully Funded Plans?
- Making the Switch: What the Process Looks Like
- How to Model the ROI of Switching Plan Structures
- Aggregate vs. Specific Stop-Loss: How Employers Protect Against Catastrophic Claims
- Stop-Loss Insurance Explained with Real Examples: What Happens When Claims Hit
- What Is Stop-Loss Insurance and Why Every Self-Funded Employer Needs It
- Stop-Loss Insurance: Your Safety Net Explained
HSA, HRA and ICHRA
HRA, ICHRA and QSEHRA · HSA and tax-advantaged accounts
- Health Reimbursement Arrangements 101: A Plain-English Guide
- HRA vs HSA: What's the Difference and Which Should Your Business Offer?
- What Is an ICHRA? The Individual Coverage HRA Explained for Employers
- ICHRA Pros and Cons: Is It the Right Move for Your Team?
- ICHRA vs QSEHRA: Which Health Reimbursement Arrangement Fits Your Small Business?
- QSEHRA Limits for 2026: What Small Employers Need to Know
- Employer vs. Employee HSA Contributions: What's the Difference and Who Benefits?
- HSA Employer Contributions: Rules, Limits, and How to Use Them Strategically
- How Pairing an HSA with a High-Deductible Plan Can Save Your Business Money
PEO vs. broker
- PEO in Utah: When It Fits and When to Leave
- Gusto Health Insurance: Platform Benefits vs a PEO vs a Broker Plan
- Gusto vs Justworks: Health Benefits Compared
- Leaving a PEO: A Health Insurance and HR Transition Checklist
- Platforms That Bundle Payroll, Workers' Comp, and Health Benefits: What You're Really Buying
- Gusto vs. TriNet vs. an Independent Broker: Three Different Ways to Buy Benefits
- What Is a PEO Broker? (And Whose Side Are They On?)
- The 6 Hidden Costs of Using a PEO for Health Insurance
- Is Gusto a PEO? What HR Platforms Don't Tell You About Health Benefits
- PEO vs. Independent Benefits Broker: Which Is Better for Your Small Business?
- What Is a PEO and Why Some Businesses Outgrow Them
Choosing a broker
- Benefits Broker for a 50-Employee Company: What to Compare
- 5 Questions to Ask Your Benefits Broker Before Renewal Season
- How Health Insurance Broker Commissions Work: A Guide for Employers
- How to Choose the Right Health Insurance Plan as an Employer
- The Difference Between a Transactional Broker and a Year-Round Benefits Partner
- What Does a Health Insurance Broker Actually Do, and Are They Working for You or the Carrier?
Basics and terminology
Fundamentals · Plan types and terminology
- Employee Benefits for Startups: What to Offer as You Grow
- Group Health Insurance for Small Businesses With 10 to 50 Employees
- Health Insurance for Startups: Options by Team Size
- The Employer's Complete Guide to Offering Health Benefits for the First Time
- How Much Does Group Health Insurance Cost for a Small Business in Utah?
- What's the Difference Between Group Health Insurance and Individual Plans for Your Team?
- Health Insurance for Small Businesses with Under 10 Employees: What Are Your Options?
- Coinsurance vs Copay: A Plain-English Breakdown
- Deductible vs Out-of-Pocket Maximum: What's the Difference?
- HMO vs PPO: Which Health Plan Type Should Your Business Offer?
- HMO vs PPO vs EPO: The Complete Employer's Guide to Plan Types
- How to Read an Explanation of Benefits (EOB)
Care, wellness and EAP
Direct primary care · Wellness and EAP
- Direct Primary Care Pros and Cons: Is It Right for Your Business?
- How Direct Primary Care + Self-Funded Health Plans Lower Claims Costs
- DPC vs. Concierge Medicine: What Employers Need to Know
- What Is Direct Primary Care and How Does It Work with a Self-Funded Health Plan?
- The Employer's Guide to Building a Wellness Program Around Your Health Plan
- How EAPs Reduce Claims Costs: The Business Case for Mental Health Benefits
- Employee Wellness Program Ideas That Actually Work (and Don't Cost a Fortune)
- What Is an Employee Assistance Program (EAP) and Should Your Business Offer One?
Retention and culture
- Using Benefits as a Recruiting Tool: How Small Businesses Compete on Total Compensation
- How Your Health Benefits Package Affects Employee Retention
- The Hidden Cost of Cheap Health Benefits
- What Employees Want from Their Health Benefits Today
- How Better Employee Experience Lowers Costs
- Concierge vs. Call Center: What Your Employees Actually Experience
- Enrollment Communications That Actually Work
- Measuring Employee Satisfaction After a Benefits Change
- How Modern Benefits Actually Reduce Your Admin Burden
- Planning a Benefits Transition Without Disrupting Your Team
- What Benefits Modernization Looks Like for HR
- Why Benefits Feel So Hard (It's Not You)
Utah employers
- Employee Benefits for a Utah Startup, From 10 to 50 People
- How to Choose an Employee Benefits Broker in Utah
- Level-Funded vs. Fully Insured for Utah Employers
- Utah Health Insurance Renewal: Seven Options Before You Sign
- Small Business Health Insurance in Utah: A Local Employer's Guide
- Utah Health Insurance Broker vs. National Broker: Why Local Expertise Matters
- The Utah Employer's Guide to Health Benefits Compliance and Options
- How Utah's Health Insurance Market Compares to the Rest of the Country
