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A difficult health insurance renewal can leave an employer feeling stuck between three choices: absorb the increase, charge employees more, or reduce benefits. Before making any of those changes, it is worth finding out what is actually driving the renewal. Employers can reduce health care costs without cutting benefits across the board. The most useful …

Continue reading “How to Reduce Healthcare Costs for Employers in 2026”

COBRA timing rules are easy to underestimate until an employee loses coverage, HR is coordinating with a plan administrator, and everyone realizes the clock is already running. For employers, the challenge is not just knowing that COBRA exists. It is knowing exactly when notices must go out, how long qualified beneficiaries have to respond, and …

Continue reading “COBRA deadlines explained: the 44/60/45 rule every employer should know”

Employee benefits trends in 2026 sit at the intersection of rising costs, tighter oversight, and a workforce that is more outspoken about value. National health spending is projected to keep growing faster than the economy over the coming decade, which flows through to employer renewals, plan design decisions, and employee cost-sharing conversations. At the same …

Continue reading “Employee Benefits Trends for 2026: What Employers Should Act On Now”

Running a business with fewer than 50 employees comes with tough decisions. One of the biggest? How to provide health benefits in a way that balances cost pressures, talent attraction, compliance, and flexibility. For many sub-50 employers, the options can feel overwhelming. Do you choose a traditional small-group plan or explore newer alternatives, such as …

Continue reading “ICHRA vs. QSEHRA vs. Traditional Small-Group: A Guide for Sub-50 Employers”

On July 4, 2025, President Donald Trump signed a major tax and spending bill, commonly referred to as the “ One Big Beautiful Bill Act” (OBBB Act), into law.  The OBBB Act includes changes for employee benefit plans, including provisions that:  Expanded HSA Eligibility and Coverage Only eligible individuals can establish HSAs and make HSA …

Continue reading “Employee Benefits 2025: Key Changes in the OBBB Act”

The rapid evolution of employee expectations and technology has led to significant changes in employee benefits programs. With increased demand for personalized, flexible, and holistic offerings, businesses are rethinking how they support their workforce. For both employers building attractive benefit packages and employees navigating their options, here are the essential employee benefits trends you need …

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Every year, open enrollment offers a valuable opportunity for employees, individuals, and HR professionals to evaluate their health insurance options and choose the coverage that works best for them. Taking time to review plans carefully can help ensure strong protection and avoid unexpected gaps in care. At Vantage Point Benefit, we understand that navigating the …

Continue reading “How to Prepare for Open Enrollment: Best Practices for Health Insurance”

Parental leave has become a critical topic of discussion in the United States. For new parents, navigating the world of parental leave—whether it’s maternity, paternity, or family leave—can be overwhelming. Unlike many developed countries, the U.S. lacks a comprehensive federal policy guaranteeing paid parental leave, leaving many employees to juggle family responsibilities with work commitments. …

Continue reading “Parental Leave in the US: All you need to know”

What is the Retirement Savings Contributions Credit or the Saver’s Credit? The Retirement Savings Contributions Credit also known as the Saver’s Credit offers a benefit for low-to-moderate-income taxpayers making eligible retirement contributions, functioning as a nonrefundable credit to lower owed taxes potentially to zero.  The Saver’s Credit offers a financial incentive for individuals contributing up …

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This year, it’s essential for employers to focus on refining their benefits packages to meet the unique challenges faced by their workforce. Many employers have already recognized the importance of enhancing their strategies for retention and engagement, and this remains a critical priority. Developing comprehensive and responsive benefits plans is key to addressing the evolving …

Continue reading “Employee Benefits Trends for 2024”