If you’re trying to figure out what employee benefits a small business in Ohio should offer, you’re not alone. Don’t worry, you are not alone if you feel confused, there is a lot to business benefits. All the confusion is understandable. One article tells you that you’re legally required to offer health insurance, another says …
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.
As a third-generation family-owned broker, we understand that the modern healthcare landscape requires more than just a policy. It requires a data-driven strategy to control costs. If your company is currently stuck in a “community-rated” plan, you are likely to overpay to subsidize the health risks of other organizations. In this blog we are going …
What is a deductible gap anyway? The “deductible gap” refers to the financial shortfall an employee faces between what their insurance plan begins to cover and what they must pay out-of-pocket. As healthcare costs rise, many Ohio small business owners are shifting toward High-Deductible Health Plans (HDHPs) to keep monthly premiums affordable; however, this often …
Small business owners in Ohio are currently facing a new regulatory hurdle that many do not even realize exists the “gag clause.” Under the Consolidated Appropriations Act (CAA), the federal government has launched a significant push for transparency in the health insurance industry. The core of this movement is a mandate that prohibits “gag clauses” …
Zero-Cost Retention strategies matter for small businesses in Ohio. As small businesses, we often struggle to compete when it comes to attracting and retaining top talent. Part of the reason is the benefits packages that larger companies can offer. When small businesses in Ohio cannot afford a 5% raise, what is the next best way …
Providing healthcare coverage is one of the most effective strategies for Ohio small businesses to attract and retain high-quality talent. Yet, it remains a significant budgetary hurdle for many small businesses. Fortunately, affordable pathways exist when you understand how to structure benefits effectively. Associated Underwriters Insurance (AUI), serves as a specialized partner for local businesses. …
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.
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 …
The IRS has announced a significant increase in employer shared responsibility penalties for non-compliance with the Affordable Care Act (ACA) starting in 2026. These penalties, often referred to as the “pay-or-play” penalties, are designed to enforce employer obligations to provide affordable health insurance coverage to their full-time employees. The adjustment represents a 15.2% increase from …
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 …
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 …
Navigating the world of health insurance can feel overwhelming that is why you need a healthcare broker like AUI. It is especially important when you are trying to find affordable group health insurance plans for your Ohio business. Whether you are a small business owner with a growing team or a solopreneur looking for the …
As a small business owner, you wear a lot of hats, but navigating health insurance does not need to be one of them. From managing day-to-day operations to looking out for your employees, there’s no shortage of responsibilities. One of the most important—and often most challenging—tasks is figuring out health insurance for your team. It …
The open enrollment period is a critical time for individuals and small businesses alike, as it provides the opportunity to enroll in or make changes to health insurance plans. Depending on when your group plan renews, your time to research and plan for any changes may differ. For 2025, the individual open enrollment begins on …
In 2025, the workplace is evolving faster than ever. Employees’ expectations have shifted, competition for top talent is fierce, today it is important to recruit and retain with voluntary benefits. Voluntary benefits are one of the most effective strategies for meeting these challenges. They offer a diverse range of optional perks that go beyond traditional …
In today’s rapidly evolving business landscape, companies are reevaluating their healthcare strategies more than ever. With rising costs and a growing need for flexibility, many businesses are turning away from traditional fully insured healthcare plans and exploring self-funded options. Did you know that the National Health Expenditure (NHE) grew 4.1% to $4.5 trillion in 2022, …
Traditionally, offering voluntary benefits for the Service Industry has not been prevalent. In fact, according to data from the Bureau of Labor Statistics, only around 70% of private industry workers in service-providing industries have access to medical care benefits. Today, the service industry, is a cornerstone of the American economy. It encompasses diverse roles from …
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