The Lively Blog

Prepare for a smoother open enrollment season with essential steps for brokers and HR teams. Learn how to streamline processes, stay informed on industry changes, and strengthen client relationships for long-term success.

Many benefits brokers have seen their professional roles shift in recent years from strictly selling to clients to becoming their true partner. As open enrollment approaches we outline ways brokers can help their clients save money, attract and retain top talent and help employees make the right decisions.

A successful open enrollment season is all about preparation, communication and follow-up. There are many ways to slice and dice the open enrollment process, and we’ve chosen to break it down into three phases: Prep, process, and post-open enrollment

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.

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.

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.