The Hidden Cost of Waiting Until Fall for Health Insurance Renewal Employee benefits have become one of the largest line items on an employer's budget but also one of the most strategic. Learn more about NARFA’s history and mission [...]
If you have opened your renewal letter and seen your health insurance premiums jump, it can feel especially frustrating when your business has had good claims experience. Many small employers get grouped into larger community rated pools. If the [...]
The Occupational Safety and Health Administration (OSHA) has released new enforcement guidance that could significantly reduce financial penalties for small businesses. For members of the Automotive Industries Compensation Corporation (AICC), a program built exclusively for Massachusetts automotive, roads, fuel, [...]
The Numbers Don't Lie: Healthcare Costs Are Exploding A new KFF report confirms what NARFA members already suspected: healthcare premiums are spiking 15% in 2026—the largest increase since 2018. Worse yet, 27% of insurers are requesting increases of 20% or more. For small [...]
The $3.25 Question Every NARFA Member Should Ask A recent analysis estimated a $3.25 return for every $1.00 invested in the EAP for the typical small employer in the U.S. Yet many business owners still see Employee Assistance Programs [...]
The Challenge of High-Cost Medical Claims In 2024, employers faced a significant challenge with a 29% increase in $1 million medical stop-loss claims compared to 2023, according to Sun Life’s analysis. Claims exceeding $3 million rose by 47%, with [...]
Why Construction and Outdoor Workers Need to Know About Poison Plants The CDC reports that 80-90% of adults develop rashes from poison ivy exposure, and the reaction can prevent you from working for days or weeks. For NARFA and [...]
Picture a successful New Hampshire automotive dealership that starts with a single location in Manchester. Over time, they expand their service territory, hire employees who live across the Massachusetts border, and eventually open a second location in the Bay [...]
Introduction: A Game-Changer for Healthcare Financial Planning The 2025 federal budget reconciliation bill, recently passed by the House, introduces the most significant expansions to Health Savings Accounts (HSAs) since their creation in 2003. These changes could provide more incentives [...]
The alarm bells started ringing at 6 AM on a Tuesday morning. Employees at a large automotive dealership were calling in, unable to fill prescriptions at their usual pharmacy. Their primary care doctors' offices couldn't verify insurance coverage. What [...]
