ACA Archives - AUI | Associated Underwriters Insurance

Person calculating contribution rates for healthcare benefits on a calculator

How to Calculate Contribution Rates for Health Insurance

June 13, 2026June 10, 2026

Calculating contribution rates for health insurance is a foundational financial and strategic task for small business owners. Health insurance impacts both the company operational budget and employee satisfaction, which directly influences talent retention. Establishing these rates means determining how the premium costs are divided between the organization and the staff. Because premium structures and federal …

What business owners need to know about the ACA shown with a stethoscope and a file with Affordable Care Act on the cover.

What Business Owners Need to Know About ACA Compliance in Ohio

June 13, 2026May 7, 2026

If you are looking further ahead to 2027, the IRS has already signaled a rise to $3,780. When you multiply those figures across a mid-sized workforce, the cost of non-compliance quickly outpaces the cost of providing quality coverage. Our team of healthcare brokers at AUI is here to help. In this blog we are going to help you avoid these costly penalties and stay compliant with your coverage.

Health Savings Account Updates for 2026

March 3, 2026February 28, 2026

Did you make adjustment to your Health Savings Account (HSAs) for 2026? There have been some important changes for employees and employers that you might not be taking advantage of. These updates are essential for individuals and families planning their healthcare spending and retirement savings. Legislative changes under the One, Big, Beautiful Bill Act (OBBBA) …

Text "Navigating Health Insurance" with health icons and a map representing changes to healthcare regulations

Navigating Health Insurance in 2026: Trends, Costs, and Rule Changes

December 3, 2025November 20, 2025

Understanding health insurance is crucial in today’s world. As we approach 2026, we are expecting that the health insurance landscape will undergo significant changes.

Healthcare cost rising depicted by families holding hands and a stethoscope arrows going up with dollar signs

Creative Alternatives for Small Businesses to Reduce Rising Health Insurance Costs

October 23, 2025October 16, 2025

America’s healthcare insurance costs for small businesses continue to climb. In fact, earlier this year, “insurers had proposed a median 18 percent increase in premiums for next year, citing higher medical costs, a sicker risk pool due to the enhanced subsidy expiration, and other factors” according to the CAP. Which has left small businesses feeling the strain of providing …

Person in a yellow shirt with thinking chat bubble that says " Key healthcare changes? What do I need to know?"

Key Healthcare Changes Under the Trump Administration: Impacts on Businesses for 2026

September 29, 2025September 24, 2025

The Trump Administration has introduced significant changes to healthcare policies, many of which will directly impact businesses and the healthcare options available to them in 2026. From Affordable Care Act (ACA) reforms to drug pricing policies and Medicaid restructuring, these actions are reshaping the healthcare landscape. Below, we explore the key changes and their implications …

Family trying to compare healthcare coverage plans after learning they are losing their Medicaid benefits

Losing Medicaid Coverage? Here’s Why You Should Contact AUI Instead of Navigating the ACA Marketplace Alone

September 5, 2025August 12, 2025

If you’ve recently lost Medicaid coverage, you’re not alone. Many individuals are being transitioned off Medicaid due to eligibility changes or the end of pandemic-related expansions. While the Affordable Care Act (ACA) marketplace might seem like the logical next step, navigating it on your own can be overwhelming and costly. Instead of taking on this …

A business owner looking at different benefit options including spousal benefits. Show with a person taking spousal benefits block out of a line of options

Employer-Provided Benefits for Spouses: What You Need to Know

July 15, 2025

As a small business, offering benefits to employees is a critical part of attracting and retaining talent. With great employees their spouses also come. However, the nuances of covering spouses under employer-sponsored benefits can be complex. Employers often wonder: When do I need to provide benefits to spouses? What if a spouse is already covered …

A healthcare penalty notice for non-compliance shown with a stethoscope and a stamped words "Penalty Notice."

Understanding Health Insurance Penalties for Non-Compliance in Ohio

June 24, 2025

Ohio residents are often unaware of the potential health insurance penalties for failing to comply with the federal and state regulations. Regulations can change with the swipe of a pen and trying to figure out what applies to your small business should not be left up to a chance. We hate to see bad things …

Medical Transparency In American Healthcare shown in a graphic with medical personnel in the background.

The Importance of Medical Transparency in Modern Healthcare

April 17, 2025October 9, 2024

Medical transparency refers to the practice of openly sharing information about healthcare processes, medical data, treatment options, and outcomes with patients, families, and the public.

Medical professional with open enrollment papers in focus in front of them.

What Has Changed for the 2025 Open Enrollment?

April 17, 2025September 29, 2024

The 2025 Open Enrollment period for health insurance introduces several notable updates, including changes in coverage options, cost structures, and policies that could affect individuals and families seeking coverage.

Person holding two wooden blocks that say "Employee Benefits."

What Happens if a Business Can Not Pay Benefits Premiums?

April 17, 2025August 26, 2024

We know that sometimes stuff happens and if you get to the point where you are worried about making your benefits payments, ask for help.

A broker speaking over the phone while holding a document, and a patient speaking to a doctor in the background signifying he's a health insurance broker

Why You Need A Health Insurance Broker To Help You With Individual Healthcare Needs

April 17, 2025April 22, 2024

It’s not uncommon for most people to think that having a health insurance broker is not necessary when choosing a healthcare plan.

Healthcare worker pointing at a virtual dot that says 5 factors for healthcare premiums

How Are Healthcare Premiums Set?

April 17, 2025January 18, 2024

Under the Affordable Care Act, health insurance companies can account for only five things when setting healthcare premiums. Insurance companies use these factors to anticipate the cost to cover an individual with health insurance. Some people need more coverage than others. In this blog we are going to look at all five of the factors …

Dental Insurance Options in Ohio

April 17, 2025November 10, 2023

There are several dental insurance options available for individuals and families in Ohio. How much does dental insurance cost? Read More…

Broker shopping benefits at renewal time comparing plans for client

Does Your Insurance Brokers Shop Benefits Before Renewal Time?

April 17, 2025August 15, 2023

How involved is your health insurance broker when it comes to shopping for your insurance benefits? All too often it comes to our attention that many companies just have their current policies renewed before looking at all their options. Does your health insurance broker shop benefits during renewal time? If the answer is “no” read …

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6 Tips for a Successful Open Enrollment Season

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