Clear thinking on benefits, Medicare and compliance.
Practical guidance for Michigan employers and individuals — written to be understood, not to impress. New articles are published regularly.
Medicare Supplement vs. Advantage: how to actually choose
The single most common — and most expensive — Medicare mistake, and a simple framework for getting it right.
Read moreSelf-funded vs. fully insured: which fits your group?
When self-funding saves money, when it doesn't, and the stop-loss details that decide it.
Read moreThe employer's open enrollment compliance checklist
SBCs, SPDs, Part D notices and the deadlines that quietly create liability.
Read moreCutting benefits costs without cutting coverage
Five plan-design levers that lower premium and protect your team at the same time.
Read moreIndividual & family coverage when you're under 65
ACA, short-term and supplemental options — and how to compare them honestly.
Read moreWhat ERISA actually requires of small employers
A plain-English tour of fiduciary duties, disclosures and the penalties for getting them wrong.
Read moreGet benefits insights in your inbox
Occasional, useful updates on coverage, compliance deadlines and Medicare windows. No spam.