Healthcare
HMO vs. HDHP: Understanding the Trade-Offs
If you’re shopping for health insurance, you might be wondering what’s the difference between an HMO vs. HDHP? An HDHP is defined by its higher deductible, and it can be any type of health plan. That’s right—an HDHP can be an HMO, PPO, or other type of health plan. Luckily, all health plans have some unique features that can help you decide if they are right for you.
Healthcare
Rising Premiums in 2026: What Employers and Brokers Need to Prepare For
Health insurance premiums are expected to rise in 2026 due to medical inflation, specialty drugs, and shrinking risk pools. Learn what’s driving the increases and explore strategies employers and brokers can use to manage costs and support their teams.
Healthcare
Why Health Insurance Premiums May Be Higher in 2026 and What You Can Do About It
Health insurance premiums may rise in 2026 as subsidies end and medical costs increase. Individuals, families, and self-employed people can prepare by budgeting, comparing plans, and making informed choices during open enrollment.
Healthcare
Lively Conversations: The Top Employer Compliance Questions
Rick Sutter and Jordan Mazur answer common employer compliance questions, including contribution rules, FSA carryover vs. grace period, and what to know before open enrollment.
Healthcare
Lively Conversations: Change Management During Open Enrollment
In this episode of Lively Conversations, Chad Benoit and Nafisa Mazumdar share how brokers, employers, and HR teams can navigate open enrollment with clarity, empathy, and trust to make change management smoother and more effective.
Benefits
2025 and 2026 Maximum HSA Contribution Limits
Lively · June 20, 2025 · 3 min read
On May 1, 2025, the IRS announced the HSA contribution limits for 2026: $4,400 for individual coverage and $8,750 for family coverage. That’s a $100–$200 increase from the 2025 limits, which are $4,300 and $8,550 respectively. If you’re 55 or older, you can still contribute an extra $1,000.
Benefits
What is the Difference Between a Flexible Spending Account and a Health Savings Account?
Lauren Hargrave · February 9, 2024 · 12 min read
A Health Savings Account (HSA) and Healthcare Flexible Spending Account (FSA) provide up to 30% savings on out-of-pocket healthcare expenses. That’s good news. Except you can’t contribute to an HSA and Healthcare FSA at the same time. So what if your employer offers both benefits? How do you choose which account type is best for you? Let’s explore the advantages of each to help you decide which wins in HSA vs FSA.
Health Savings Accounts
Ways Health Savings Account Matching Benefits Employers
Lauren Hargrave · October 13, 2023 · 7 min read
Employers need employees to adopt and engage with their benefits and one way to encourage employees to adopt and contribute to (i.e. engage with) an HSA, is for employers to match employees’ contributions.
Benefits
2025 and 2026 Maximum HSA Contribution Limits
Lively · June 20, 2025 · 3 min read
On May 1, 2025, the IRS announced the HSA contribution limits for 2026: $4,400 for individual coverage and $8,750 for family coverage. That’s a $100–$200 increase from the 2025 limits, which are $4,300 and $8,550 respectively. If you’re 55 or older, you can still contribute an extra $1,000.
Benefits
What is the Difference Between a Flexible Spending Account and a Health Savings Account?
Lauren Hargrave · February 9, 2024 · 12 min read
A Health Savings Account (HSA) and Healthcare Flexible Spending Account (FSA) provide up to 30% savings on out-of-pocket healthcare expenses. That’s good news. Except you can’t contribute to an HSA and Healthcare FSA at the same time. So what if your employer offers both benefits? How do you choose which account type is best for you? Let’s explore the advantages of each to help you decide which wins in HSA vs FSA.
Health Savings Accounts
Ways Health Savings Account Matching Benefits Employers
Lauren Hargrave · October 13, 2023 · 7 min read
Employers need employees to adopt and engage with their benefits and one way to encourage employees to adopt and contribute to (i.e. engage with) an HSA, is for employers to match employees’ contributions.
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