Health Insurance Resources.
How major-medical, MEC, and §125 work together — without overlapping or canceling each other out.
How group health insurance works in 2026
ACA-compliant coverage options for employers
How Section 125 strengthens any health insurance placement
Health insurance premium increases by state in 2026
Small business health insurance guide
Level-funded and self-insured plan options
Articles
- How ICHRA Reimbursement Works: ICHRA reimbursement means the employee buys a plan, proves coverage, and the employer repays the premium up to a set allowance. See each step and the rules.
- Health Insurance for Startups: Options by Team Size: Health insurance for startups: no law forces you to offer it under 50 employees. See group, ICHRA, QSEHRA and Section 125 options, costs and when to add each.
- What Is an ICHRA? An Employee's Guide: An ICHRA is an employer allowance that reimburses the individual health plan you buy. See how it works, what you pay and how it affects your subsidy.
- ICHRA Requirements: ICHRA requirements for employers: eligible classes, same-terms rule, 90-day notice, class size minimums, proof of coverage and affordability at 50 employees.
- ICHRA Pros and Cons: ICHRA pros: fixed budget, no participation minimum, tax-free allowance. Cons: subsidy loss, admin work, plan gaps. See both sides and who it fits best.
- ICHRA Administration Cost: ICHRA administration costs about $25 per enrolled employee per month plus a $40 to $50 monthly platform fee at published rates. See the full cost breakdown and math.
- ACA Employer Mandate Penalties 2027: 4980H(a) and (b): The 2027 ACA employer mandate penalties are $3,780 under 4980H(a) and $5,670 under 4980H(b), per IRS Rev. Proc. 2026-22. The affordability percentage rises to 10.22%, plus the Section 125 affordability myth explained.
- Health Insurance Premium Increase by State 2027: First Look at Rate Filings: Early 2027 ACA rate filings show double-digit increases. Washington requested +22.4%. Vermont filed +6.5%. Live tracker of every state filing with the §125 employer defense playbook.
- How Does ICHRA Work? A Plain-English Guide for Employers: ICHRA lets employers set a fixed monthly tax-free allowance for individual health coverage. No carrier renewal, no participation requirements. The 3-step mechanics, cost comparison vs. group plans, and ICHRA vs. QSEHRA table.
- Health Insurance Premium Increase 2026 by State: Every U.S. state's 2026 increase ranked, the four reasons it happened, and the §125 playbook to absorb it. Interactive map inside.
- Best Small Business Health Insurance 2026 (Under 50 Employees): The 2026 buyer's guide for small employers — every plan type, real cost ranges, and the FICA recapture path that makes premium hikes affordable.
- California Health Insurance & Mandate Penalty 2026 (Complete Guide): California's 2026 individual mandate penalty math, Covered California premium increases, MHST threshold, HSA state treatment, and the §125 path that absorbs the year's hike.