Health Insurance – JRW Associates

Educating Employees on Increasing Healthcare Costs | JRW Associates, Inc., a Raleigh Benefit Advisory

January 28, 2026

Health care costs in the United States continue to rise, increasing pressure on both employers and employees. Organizations that provide health benefits must balance growing expenses with transparency and trust from their workforce. Clear, compassionate communication is key to helping employees understand and navigate these rising costs. Consider these strategies: Craft messaging that is clear, … Continued

Taking Charge: A Guide to Health Literacy | JRW Associates, Inc., a Raleigh Benefit Advisory

January 23, 2026

By admin

Building your health care literacy is one of the most powerful ways to take control of your well-being. Health literacy refers to your ability to locate, understand, and apply health information when making decisions about your care. Whether it’s interpreting medical terms or navigating complicated insurance options, strong health literacy can ease stress, prevent confusion, … Continued

Compliance Guide: New 2026 Rules for HSA Expansion | JRW Associates, Inc., a Raleigh Benefit Advisory

January 19, 2026

By admin

The One Big Beautiful Bill Act (OBBBA) was signed into law on July 4, 2025, introducing significant updates to Health Savings Accounts (HSAs). Following this, the IRS released Notice 2026-5 to provide specific guidance on how these changes expand HSA eligibility and usage. The OBBBA broadens HSA availability through the following key provisions: 1. Permanent … Continued

2026 Medical Cost Outlook | JRW Associates, Inc., a Raleigh Benefit Advisory

September 15, 2025

By admin

PwC’s latest annual analysis forecasts that group health insurance costs will increase by 8.5% in 2026—the third straight year at this elevated trend. This sustained rise means health care expenses are now similar to those seen 15 years ago, after a brief dip post-pandemic. Researchers gathered data from actuaries at 24 major U.S. health plans, … Continued

Benefits 101: A Guide to PPO Plans | JRW Associates, Inc., a Raleigh Benefit Advisory

September 8, 2025

By admin

When navigating the world of health insurance, you will likely encounter the term PPO (Preferred Provider Organization). A PPO plan – whether medical or dental – is about balancing the cost and convenience of care. With a PPO plan, you get the flexibility to see a wide range of doctors. You’ll save money by staying … Continued

Navigating Your Health Plan: A Guide to Your Explanation of Benefits (EOB) | JRW Associates, Inc., a Raleigh Benefit Advisory

August 26, 2025

By admin

Ever found a confusing document in your mailbox after a doctor’s visit, wondering if it’s a bill, especially with an “amount you owe” at the bottom? You’re not alone! That document is most likely an Explanation of Benefits (EOB) from your health insurance company. It’s crucial to remember: an EOB is NOT a bill. Think … Continued

Health Insurance Terms You Should Knows | JRW Associates, Inc., a Raleigh Benefit Advisory

August 11, 2025

By admin

Health care terms, medical bills, and forms can be hard to understand. Here are some common health care terms, and what they mean. Allowed Amount This is the maximum payment the plan will pay for a covered health care service. May also be called “eligible expense,” “payment allowance,” or “negotiated rate.” For example, if … Continued

Gag Clause Attestation Deadline | JRW Associates, Inc., a Raleigh Benefit Advisory

November 5, 2024

By admin

As the year comes to an end, a crucial compliance deadline looms for employers with health plans. Under the Consolidated Appropriations Act (CAA), health plans and insurance issuers must submit a Gag Clause Compliance Attestation by December 31, 2024. Since its enactment in 2020, this regulation prohibits health plans from including gag clauses—provisions that limit … Continued

Understand Your Spending Power: What You Can Buy with Your FSA, HSA, or HRA | JRW Associates, Inc., a Raleigh Benefit Advisory

August 5, 2024

By admin

Medical expense accounts can help you save on all kinds of healthcare costs. Here are some you may not know about yet. HSA, FSA, and HRA can typically be used for: Medical expenses: Doctor visits, surgeries, prescriptions, dental and vision care, and mental health services. Over-the-counter (OTC) medications: Many OTC medications, including pain relievers, allergy … Continued

Benefits 101: What Is an HDHP? | JRW Associates, Inc., a Raleigh Benefit Advisory

July 1, 2024

By admin

In today’s world of complex health insurance options, High Deductible Health Plans (HDHPs) have become increasingly popular. But with a name like “high deductible,” it’s natural to have questions. Let’s break down the basics of HDHPs: What is an HDHP? An HDHP is a health insurance plan with a higher deductible than traditional plans. This … Continued

Category: Health Insurance

Educating Employees on Increasing Healthcare Costs | JRW Associates, Inc., a Raleigh Benefit Advisory

Taking Charge: A Guide to Health Literacy | JRW Associates, Inc., a Raleigh Benefit Advisory

Compliance Guide: New 2026 Rules for HSA Expansion | JRW Associates, Inc., a Raleigh Benefit Advisory

2026 Medical Cost Outlook | JRW Associates, Inc., a Raleigh Benefit Advisory

Benefits 101: A Guide to PPO Plans | JRW Associates, Inc., a Raleigh Benefit Advisory

Navigating Your Health Plan: A Guide to Your Explanation of Benefits (EOB) | JRW Associates, Inc., a Raleigh Benefit Advisory

Health Insurance Terms You Should Knows | JRW Associates, Inc., a Raleigh Benefit Advisory

Gag Clause Attestation Deadline | JRW Associates, Inc., a Raleigh Benefit Advisory

Understand Your Spending Power: What You Can Buy with Your FSA, HSA, or HRA | JRW Associates, Inc., a Raleigh Benefit Advisory

Benefits 101: What Is an HDHP? | JRW Associates, Inc., a Raleigh Benefit Advisory

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