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Group Health guides
The ACA employer mandate: who must offer coverage and the 2026 penaltiesWho is an applicable large employer, what coverage avoids the 4980H penalties, and the 2026 figures: 9.96% affordability, $3,340 and $5,010.Association health plans and MEWAs: what small employers need to knowHow association health plans and multiple employer welfare arrangements work after DOL rescinded the 2018 AHP rule, the Form M-1 duty, and how to vet one.COBRA continuation coverage: what employers must doWhich employers COBRA covers, notice and election deadlines, the 102% premium cap, coverage periods, penalties and how state mini-COBRA laws fill the gap.Fully insured vs self-funded health plans: which fits your businessHow fully insured and self-funded health plans differ in risk, cash flow, regulation and data, with an example and the questions to answer before switching.Group dental and vision insurance for employersHow group dental and vision plans work: PPO vs HMO designs, annual maximums, waiting periods, tax and ACA rules, and how to choose a plan.Group health insurance for small businesses: how it works and what it costsHow small-group health coverage is sold, rated and administered: eligibility, contribution rules, enrollment, plan options and the ACA rules that shape it.Level-funded health plans: how they work, who they suit and the catchesA level-funded plan is a self-funded plan with a fixed monthly payment, built-in stop-loss and a possible refund. How it works, who it suits, and what to check.The SHOP Marketplace for small employers: how it works in 2026What SHOP coverage is, who qualifies, why employers now enroll through brokers or insurers instead of HealthCare.gov, and how it ties to the 45R tax credit.Stop-loss insurance for self-funded health plans: specific, aggregate and the fine printHow medical stop-loss works for self-funded employers: specific and aggregate coverage, contract basis, lasers, run-out, claims and the terms to negotiate.