Anchor Insurance Agencies

The Affordable Care Act (ACA) continues to impact employer-sponsored health plans through annual updates to cost-sharing limits, reporting requirements, affordability thresholds and preventive care guidelines.  Use this checklist to review key ACA requirements for the 2027 plan year and update plan documents, employee communications and compliance procedures as needed. Plan Design ☐ Review Out-of-Pocket Limits […]

Employee benefits are one of the largest investments organizations make in their people. Yet, simply offering a strong benefits package doesn’t guarantee a strong return on that investment. The organizations that get the best return on their benefits spend understand that benefits are more than a line item on the budget. They are a tool […]

Your health insurance member identification (ID) card is more than just a piece of plastic (or a digital image on your phone)—it’s your passport to healthcare. It serves as proof of coverage and contains the vital information providers need to bill accurately and verify your benefits. Because these cards are packed with abbreviations and strings […]

Several important employee benefits and payroll compliance deadlines are approaching this fall. Employers should review the requirements now and build these dates into their open enrollment, reporting and payroll calendars. Oct. 2: ICHRA and QSEHRA Notices Employers offering an Individual Coverage Health Reimbursement Arrangement (ICHRA)—also referred to here as a CHOICE Arrangement—or a Qualified Small […]

All of us online have probably experienced this same panic: your screen displays a pop-up warning saying your device is infected with viruses. Some of us have probably received a phone call from someone claiming to be from “technical support” who says they need immediate access to your computer. Both are common types of a […]

As a religious organization, there are services you provide to members that can open you up to significant risk. These risks are related to abuse allegations, ministerial counseling, premise liabilities, vehicle accidents, and privacy and employment issues, among others. As a result, risk management is critical for religious organizations, and the following safeguards can help […]

An FSA is an employer-sponsored, tax-advantaged savings account. It allows you to set aside “pre-tax” money—meaning the money is taken out of your paycheck before taxes are calculated—to pay for out-of-pocket healthcare and dependent-care expenses.  The Bottom Line: Because you aren’t paying taxes on this money, you effectively lower your taxable income and increase your […]

Cancer has evolved into a persistent and complex challenge that demands a proactive approach rather than a reactive one. With more employees being diagnosed at younger ages and the cost of advanced treatments accelerating, cancer has solidified its position as a primary driver of healthcare spending for organizations. According to the Business Group on Health’s […]

Company culture is shaped by many factors and can evolve at any time. As workplaces become increasingly tech-driven, organizations can use HR data strategically to enhance the employee experience and build a thriving environment. By relying on accurate data, HR professionals gain a clearer understanding of what employees truly value and need, making it easier […]

Navigating Seasonal Allergies: A Guide to Managing Seasonal Pollen Through the Year Millions of Americans experience seasonal allergies annually, facing disruptions from symptoms like sneezing, congestion, itchy eyes, coughing, and fatigue triggered by plant pollens. These airborne particles are categorized on a five-tier intensity scale spanning from low and moderate to high and peak. Although […]