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Read Full Article HereACA 2026: Updated 1095-C Penalties & Reporting Requirements
If your business is an Applicable Large Employer (ALE), it’s time to prepare for updated Affordable Care Act (ACA) reporting rules for 2026. The IRS has released new penalty structures and clarified some of the reporting processes tied to Form 1095-C, and failing to stay compliant could cost you thousands per employee.
This guide provides everything you need to know about 1095-C updates, new fines, and the steps to take before Q1 2026.Who Needs to File Read Full Article Here
COBRA for Remote, Multi-State Teams: What Employers Get Wrong
If your workforce is spread across multiple states, or even just outside your corporate headquarters, COBRA administration can quickly become one of the most misunderstood (and legally risky) parts of your benefits program. COBRA compliance isn’t just about mailing a packet and hoping for the best. It involves multi-jurisdictional timing rules, documentation standards, and tight operational execution. One missed deadline or outdated address, and you’re not just dealing with a paperwork issue—you’re staring down potential IRS penalties, lawsuits, or
Read Full Article HereAsk the Broker #2: Should We Move From Fully-Insured to Level-Funded?
When it comes to group health insurance funding models, one question we hear from employers more often than ever is:
“Should we stick with our fully-insured plan or switch to a level-funded arrangement?”
The answer isn’t the same for every company — but understanding the mechanics, pros, cons, and timing of each option will help you make an informed decision. let's find out how level-funded health plans work, how they differ from
Read Full Article HereHSA vs HRA vs FSA: A Straightforward Employer Decision Framework (2026 Edition)
Employers today are navigating a crowded world of healthcare savings options: HSAs (Health Savings Accounts), HRAs (Health Reimbursement Arrangements), and FSAs (Flexible Spending Accounts). All three provide tax advantages, but they function differently and are suited to different employer and employee needs. If you’ve ever wondered which one to offer—or whether you should offer more than one, this guide gives you a no-nonsense breakdown of how each works, who it benefits, and what it takes to manage each option
Read Full Article HereSection 125 Compliance: A State-by-State Employer Handbook (2026 Edition)
Section 125 of the Internal Revenue Code allows employers to offer their employees a cafeteria plan—benefits that can be paid for with pre-tax dollars. But offering these plans isn't just a tax strategy—it comes with compliance obligations that vary slightly depending on federal and state regulations. If you're an employer, HR director, or CFO overseeing your organization's benefits plan, this guide is your go-to resource for understanding and maintaining Section 125 compliance across the U.S.
What Is a Section Read Full Article Here
Ask the Broker #1 – PPO vs HMO vs EPO: What Should Employers Pick (and Why)?
By Todd Taylor, a licensed benefits insurance broker with 35+ years advising SMBs and mid‑market employers. If you manage benefits for a small or mid‑sized company, you’ve probably stared at a spreadsheet full of acronyms—PPO, HMO, EPO, HDHP—wondering which one will keep employees happy and the renewal under control. This is the exact question employers ask us every single week. Below is the same decision framework we walk clients through—practical, numbers-aware, and grounded in what actually happens at renewal time.
TL;DR Read Full Article Here
Case Study: How a Texas SaaS Startup Cut Premium Costs by 30% Without Cutting Coverage
In today’s competitive tech market, small businesses need to balance employee benefits with financial sustainability. That was the challenge faced by CloudBright*, a 35-employee SaaS company based in Austin, Texas. With health insurance premiums rising every year and employee satisfaction starting to dip, they partnered with Taylor Benefits Insurance to find a smarter, more sustainable group health insurance strategy. Here is how we helped them find the best group health and employee benefits plan, so that all their
Read Full Article HereFeatured Testimonial
We just started working with Taylor Benefits and could not be happier. Todd gave us quite the education as well as some time saving tools to help us manage our HR and save money too. We are looking forward to a long relationship!”
-Carol, Accounting Manager, recruitment marketing company, Campbell, CA
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