Expert Plan Comparison: Why Looking Beyond Premiums Matters for New Jersey and New York Businesses

by Derek Spencer | Jun 1, 2026

When most business owners compare health insurance plans, the first thing they look at is the premium. That’s understandable. Premiums are visible. They’re easy to compare. And when renewal rates arrive, they’re often the first number that gets...

What Many Businesses Don’t Realize About Group Health Insurance Brokers

by Derek Spencer | May 20, 2026

Over time, I’ve had conversations with people handling employee benefits who did not fully realize brokers or agents existed for group health insurance, or how involved a broker can be beyond simply providing quotes. At first, that may sound surprising. But the more...

Which Ancillary Benefits Carriers Are Known for Strong Coordination Between Dental, Vision, and Supplemental Health Benefits?

by Derek Spencer | May 6, 2026

For many small and mid-sized businesses, ancillary benefits are often added one product at a time. Dental gets reviewed during one renewal cycle. Vision is added later. Supplemental health benefits such as accident, critical illness, hospital indemnity, or disability...

Types of Group Health Insurance for Small Businesses: Traditional Plans, Level-Funded, and PEOs Explained

by Derek Spencer | Apr 16, 2026

For many small business owners, the search for group health insurance starts the same way. You research options online, request various quotes, and begin comparing plans. At first glance, they can all seem similar. And then, at some point, the process becomes less...

How Employer Contributions Affect Group Health Insurance Participation

by Derek Spencer | Apr 8, 2026

For many small business owners, setting up group health insurance feels like a straightforward decision. You choose a plan. Decide how much the business will contribute. Offer it to employees. And from there, it’s easy to assume participation will fall into place. In...