Open Enrollment

Your renewal satisfies the compliance box, but it doesn't tell you whether you're actually getting a good deal. Here's how to read what's in the packet, what to look at beyond the headline rate, and when it makes sense to shop.

A 30-day field guide for small business owners staring down a double-digit renewal increase. What to read in your renewal letter, the four structures you can quote against in your current plan, and what to ask your broker before the deadline.

Bay Area dental practices face a health insurance decision that most generic benefits guides don't address well: their teams are staffed differently, their hygienists often work part-time across multiple offices, and the Bay Area hospital landscape means the HMO versus PPO choice has real consequences for employees with existing specialist relationships. This guide covers how California's community-rated group plans work, why the carrier question matters more in this market than most, and what the three main options: group plans, ICHRA, and level-funded actually look like side by side.