The benefits and compliance questions Alabama employers bring us most, answered in plain language. Every rule, deadline, and number links to the source it came from.
What do Alabama's 2027 health insurance rate filings mean for your renewal?
Alabama's 2027 small-group rate filings by carrier, who reviews them, why premiums are rising, and what to check before your company's health plan renewal.
Updated
Your health insurance renewal came back 20% higher. What are your six options?
A neutral guide to six ways to answer a big health insurance renewal increase, with the tradeoffs, lead time, and federal rules behind each one.
Updated
How do you prepare for a Department of Labor health plan audit?
What EBSA requests when it investigates an employer health plan, the document checklist to keep ready, a 90-day readiness plan, and how investigations end.
Updated
Should your company use a PEO or a benefits broker?
A fair comparison of PEOs and independent benefits brokers for Alabama employers: co-employment, health plans, pricing, leaving a PEO, and who fits each.
Updated
Level-funded or fully insured: which health plan fits an Alabama employer?
Level-funded vs fully insured health plans for Alabama employers: claims risk, ACA and ERISA rules, taxes, renewal risk, and what market concentration changes.
Updated