INSIGHTS
Resources That Save You Money.
Practical guidance for owners and office managers. No fluff.
WHERE TO START
The Fastest Way to Find Your Waste
Most of what a guide would tell you, we can tell you faster by looking at your actual numbers. Start with the pages below, then book a review and we'll show you where the money is going.
START HERE
Read These First
Employee Benefits
The six plan structures worth modelling before you accept a renewal.
Supplemental Health Plan
How a Section 125 structure can reduce FICA from Day 1 without replacing benefits.
CHOICE Arrangement (formerly ICHRA)
When a fixed employer contribution beats sponsoring a group plan, and what the September 2026 rename did and did not change.
Payroll, HR & PEO/EOR
Where payroll errors turn into penalties, and how to stop the vendor chaos.
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Benefits Ninja provides insurance and benefits consulting. Everything on this site is general information for educational purposes only. It is not insurance, tax, legal, or medical advice, it is not a quote, and it is not an offer or binder of coverage. CHOICE Arrangement is the name adopted by CMS and the SBA on September 3, 2026 for what federal tax guidance still calls an Individual Coverage Health Reimbursement Arrangement (ICHRA); both terms refer to the same benefit and the renaming did not change the governing rules. Plan availability, eligibility, rates, contribution limits, and savings vary by state, carrier, group size, plan design, and employee census, and are subject to carrier underwriting and applicable law. Any figures, examples, or savings shown are illustrative only and your results will differ. Tax outcomes, including any FICA impact, depend on your specific facts; consult your own tax advisor and legal counsel before acting. Coverage is in force only when issued in writing by the carrier. Insurance offered through licensed agents in states where licensed.