Blog

Most fully-insured employers are flying blind into their annual health plan renewals. Without claims data, finance and HR professionals have no way of knowing what to expect. So, if you’ve ever gotten a steep... Read More

Once a year, your employees are asked to make a complicated decision—one that could significantly affect their health and finances. And employees are looking to HR for guidance as they make... Read More

Not understanding the basics of how a plan works can significantly drive up healthcare costs for your employees. If you or a loved one has faced unexpected medical bills, you’ve felt the stress and limbic... Read More

Helping employees navigate health plans, insurance claims, and various benefit options is a full-time task that requires the expertise of benefit industry professionals. HR professionals and... Read More

If your organization is in San Francisco, you may have certain obligations to your employees under the Health Care Security Ordinance (HCSO). The HCSO can apply to an employer... Read More

Back in March 2020, in the early days of the pandemic, the Lumity team began planning to deliver a 100% virtual open enrollment to our clients with remote employees in mind. Asynchronous... Read More

If the marketing messages surrounding health insurance captive trusts sound too good to be true, you’re right to be skeptical.  I understand why the over-simplified messaging resonates.... Read More

Small Group vs Large Group Insurance High growth companies, especially those in the tech startup world, often race past the large group health insurance milestone without much fanfare. It’s... Read More

On May 18, 2021, the IRS issued the COBRA subsidy guidance we’ve all been waiting for. Notice 2021-31 provides guidance on employer tax breaks under the American Rescue Plan Act... Read More