Employee Benefits

Individual Coverage Health Reimbursement Arrangements (ICHRAs) are becoming a popular option for small businesses across Colorado. For employers who want to offer meaningful health benefits without the rising costs and complexity of traditional group health insurance, an ICHRA provides flexibility, cost control, and employee choice. What Is an ICHRA? An ICHRA allows employers to reimburse…

What Are Level-Funded Plans? Level-funded health plans are a hybrid between fully insured and self-funded insurance. Employers pay a set monthly amount (“level” funding) that covers three main areas: Fixed Costs – Administrative fees, stop-loss insurance, and plan management. Claims Fund – Money set aside to pay employee health claims. Reserves – A cushion for

For many Colorado employers, health insurance and employee benefits are among the biggest line items on the budget—and often one of the most stressful. Premiums continue to rise year after year, but simply chasing the lowest-cost plan can leave both employees and businesses shortchanged. A truly cost-effective benefits strategy isn’t just about lowering premiums. It’s

In today’s workplace, supporting mental health is no longer optional—it’s essential. Employers across Colorado and the U.S. are recognizing that mental well-being is just as important as physical health when it comes to building a thriving workforce. As we head toward 2026, mental health benefits continue to evolve—along with what employees expect from their employee

Employee benefits are among the largest recurring investments for businesses—especially here in Colorado, where rising health insurance premiums and fierce competition for talent are pressing business owners and leaders to reassess their approach. With employer health plan costs continuing to climb and more companies joining benefits captives, it’s no longer enough to think only in

If you’re evaluating your employee benefits broker—or searching for a new one—you’re likely focused on finding competitive plans, managing renewals, and navigating rising healthcare costs. And while those are essential, they’re only part of the picture. A truly valuable broker does more than place policies—they act as a strategic partner who understands your goals, proactively