Employee Benefits

Health insurance is one of the most appreciated employee benefits—but it’s also one of the least understood. Deductible. Coinsurance. Out-of-pocket maximum. PPO. HMO. These terms appear every year during open enrollment, yet many employees don’t fully understand what they mean or how they affect what they’ll actually pay when they need medical care. The result?

Healthcare costs continue to rise. GLP-1 medications are changing pharmacy spending. Artificial intelligence is finding its way into HR, and employees continue to expect more from the workplace than they did just a few years ago. If you’re responsible for employee benefits, it can feel like there’s always another headline telling you what you should

Why the lowest premium isn’t always the best value for Colorado employers. When employee benefits budgets get tight, it’s tempting to focus on one number: the monthly premium. On paper, choosing the least expensive health insurance plan can seem like an easy way to control costs. But what looks like savings today can sometimes create

Why These Benefits Continue to Impact Recruitment & Retention When employers evaluate their employee benefits strategy, most of the attention naturally goes toward medical insurance. But dental and vision benefits still play a much bigger role in employee satisfaction, recruitment, and retention than many employers realize. In today’s competitive hiring environment, employees are paying attention

Health insurance costs continue to be one of the biggest concerns for Colorado employers. As premiums rise and employees look for more flexibility in their benefits, many businesses are taking a closer look at Health Savings Accounts (HSAs) as part of their employee benefits strategy. But what exactly is an HSA? How does it work

For many Colorado employers, ACA reporting can feel more complicated than it should be. Between determining Applicable Large Employer (ALE) status, understanding Forms 1094 and 1095, and keeping up with deadlines, it’s easy to miss something important. This guide breaks it down clearly—what’s required, who it applies to, and where employers commonly run into issues.