NOTES ON EMPLOYER COST

Where does the money actually go?

Short pieces on the cost levers most employers never get shown, and what each one is worth.

ICHRA is now the CHOICE Arrangement. What actually changed? compliance plan funding Sep 04, 2026

Did your broker just send you something about a "CHOICE Arrangement"?

It's the ICHRA. Same benefit, new name, as of September 3, 2026.

Why it matters: CMS and the SBA renamed the Individual Coverage...

New W-2 boxes for tips and overtime. Why September matters. compliance payroll Sep 03, 2026

Does your payroll system know which of last December's overtime hours were premium hours?

If not, you have about three months to fix it. The W-2s you issue in January 2027 have to carry data most pay...

ACA affordability just hit 10.22%. What does that change? compliance Jul 22, 2026

How much can you ask employees to contribute toward their own coverage in 2027?

Up to 10.22% of household income, per the safe harbor you elect. That is up from 9.96% for 2026, and it is the highest ...

Could your employees sue you over what your plan pays for drugs? compliance pharmacy plan funding May 07, 2026

Could your own employees sue you over what your health plan pays for prescriptions?

A federal court in New York let exactly that case proceed in March 2026, against JPMorgan Chase. Employees analyzed...

Which of these is costing you the most?

The analysis costs nothing, needs no health information, and comes back in days. Bring your broker and your CFO.

Follow the work on LinkedIn: Keryn Gold · Save with Benefits