Employee Benefits

Multi-State Business Operations: Insurance and Compliance Strategies for Growing New Hampshire Auto Companies

2025-06-23T16:11:38-04:00June 20th, 2025|2025, Benefits Administration, Employee Benefits, Fleet Industry, Fuel Industry News|

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 [...]

Revolutionary HSA Changes in the 2025 Budget Bill: Your Complete Guide to Expanded Benefits

2025-06-10T08:30:04-04:00June 6th, 2025|2025, Employee Benefits, Employee Benefits Legislation, Health Care Reform, Health Savings Accounts|

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 [...]

Smart Health Plan Strategies: How to Reduce Costs While Enhancing Employee Benefits

2025-05-21T10:09:07-04:00May 21st, 2025|2025, Employee Benefits, Employee Wellness Programs, Health Care, Health Savings Accounts, Insurance & Benefits, Small Business Health Insurance|

The Growing Challenge of Healthcare Costs for Businesses For businesses in the automotive, roads, and fuel industries, and businesses with 5 or more vehicles, managing employee healthcare costs has become increasingly challenging. According to recent data, employer healthcare costs [...]

Beyond Premium Savings: The Total Business Impact of Alternative Health Plan Designs

2025-05-09T09:37:25-04:00May 9th, 2025|2025, Employee Benefits, Health Care, Insurance & Benefits|

The Evolving Health Benefits Landscape for Essential Businesses The conversation around employee health benefits has traditionally centered on a single metric: premium costs. However, forward-thinking businesses across America's essential industries are discovering that alternative health plan designs deliver value [...]

The Hidden Costs of Healthcare Indecision: How Businesses Can Move Forward Despite Uncertainty

2025-05-09T09:10:52-04:00May 7th, 2025|2025, Employee Benefits, Health Care, Insurance & Benefits|

The True Price of Postponing Healthcare Decisions In today's volatile healthcare landscape, many businesses find themselves trapped in a cycle of indecision. The numbers tell a sobering story: according to recent industry research, businesses that postpone healthcare benefit decisions [...]

Why Your Small Business Might Be Over-Insuring—and What You Can Do About It

2025-04-29T17:55:44-04:00March 31st, 2025|2025, Employee Benefits|

The Healthcare Crisis in Massachusetts Small businesses in Massachusetts are grappling with a healthcare system in turmoil. Layoffs, carrier losses, soaring drug costs, and limited access to care are creating a perfect storm of challenges. For many, the burden [...]

Understanding Community Rating in Health Insurance: What It Means for Your Business

2025-04-29T17:55:45-04:00March 18th, 2025|2025, ACA Compliance, Employee Benefits, Health Care|

Healthcare costs in New England are among the highest in the country, putting significant pressure on businesses, and in many cases are surpassing national averages. With Massachusetts leading the nation in per capita healthcare spending (New England Journal of [...]

Navigating High Healthcare Costs in New England: How NARFA Helps Members Stay Ahead

2025-04-29T17:55:46-04:00March 5th, 2025|2025, Employee Benefits, Health Care, Health Savings Accounts|

New England residents face some of the highest healthcare costs in the nation. For example, recent data shows that the average annual premium for employer-sponsored health insurance in New Hampshire, in many cases, exceeds $7,000 for individuals and $20,000 [...]

Level Funding: A Strategic Solution for Controlling Rising Healthcare Costs

2025-04-29T17:55:46-04:00February 20th, 2025|2025, Employee Benefits, Health Care, Insurance & Benefits|

In today's complex healthcare landscape, organizations face unprecedented challenges in managing escalating healthcare costs while maintaining quality coverage for their employees. Level funding emerges as a sophisticated solution, offering a hybrid approach that combines the predictability of traditional insurance [...]

Navigating Temporary Disability Benefits in Self-Insured Workers’ Compensation Programs

2025-04-29T17:55:50-04:00January 13th, 2025|2025, Employee Benefits, Human Resources, Workers Compensation|

When workplace injuries occur, understanding temporary disability benefits becomes crucial for both employers and employees. For companies in the automotive, roads, fuel, transportation, fleet and industrial sectors, managing these benefits effectively can significantly impact both worker recovery and company [...]