by Derek Spencer | Jul 7, 2026
Understanding the ACA’s Employer Requirements and Health Insurance Options for Growing Businesses Business growth is exciting. It often brings new customers, new employees, and new opportunities. It can also introduce responsibilities that many business owners...
by Derek Spencer | Jun 19, 2026
What 50+ Years in Business Has Taught Us About Employee Benefits Most businesses don’t think much about their group health insurance broker when things are going well. Employees are enrolled. Questions are being answered. The renewal process is moving along...
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...
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...
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...
