Negotiating Group Health Insurance Renewals: Strategies for 2026

By Todd Taylor  |  Last updated: May 7, 2026
Group Health Insurance Experts

Every year, employers brace for the same challenge: the group health insurance renewal process. Premium increases, shifting employee needs, and compliance requirements make renewals one of the most critical — and stressful — times for HR leaders and business owners.

In 2026, with medical inflation and evolving employee expectations, it’s more important than ever to approach renewals strategically. This guide will walk you through how group health insurance renewals work, why costs are rising, and

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Tax Advantages of Offering Group Health Insurance to Employees

By Todd Taylor  |  Last updated: May 6, 2026
Comprehensive Group Health Insurance

For many businesses, providing health insurance is the single most expensive employee benefit. But what often goes overlooked is that offering group health insurance comes with significant tax advantages for employers. These advantages can help offset costs, improve cash flow, and make providing coverage more financially sustainable.

This guide will explore the key tax benefits of offering group health insurance in 2025, including deductions, credits, and payroll tax savings — and why employers of all sizes

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Top 5 Mistakes Employers Make When Shopping for Group Health Insurance

By Todd Taylor  |  Last updated: May 6, 2026
Selecting the Right Insurance Broker

Choosing the right group health insurance plan is one of the most critical decisions employers make. Health benefits are not only the second largest business expense after payroll, but they also play a vital role in attracting and retaining top talent.

Yet many companies, from small businesses to large organizations, make costly mistakes when shopping for group health insurance. These errors can lead to overspending, compliance risks, and unhappy employees.

In this article, we’ll

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Section 125 Nondiscrimination Testing: How to Pass

By Todd Taylor  |  Last updated: May 5, 2026
Section 125 Plan Failure Correction Steps

When offering employee benefits, compliance is just as important as cost and coverage. One area that often confuses employers is Section 125 nondiscrimination testing. If your company offers a Cafeteria Plan (sometimes called a Section 125 plan), you are required by the IRS to perform annual nondiscrimination testing.

Failing this test can result in significant tax consequences, particularly for highly compensated and key employees. In this guide, we’ll break down what Section

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