Get In Touch
Author: Webber Advisors
-
Benefits Breakdown December 2025 | PA Benefits Consultants
How Much Will Health Care Costs Rise in 2026? Health care costs have been growing at an alarming rate in recent years, and they’re not slowing down. As such, surveys project that health care costs in the United States are likely to increase by 6.5% to, in many cases, as much as over 10% in…
-
Compliance Alert: HIPAA Privacy Notice Update Due Feb. 16, 2026 | Pennsylvania Benefits Group
The U.S. Department of Health and Human Services (HHS) has issued a final rule that requires covered entities—including many health plans—to update their Notice of Privacy Practices (Privacy Notice). This change enhances privacy protections for highly sensitive Substance Use Disorder (SUD) treatment records. Why the Update is Necessary The HIPAA Privacy Rule already mandates that…
-
Meeting the ERISA Deadline: Handling MLR Rebates | PA Employee Benefits Group
Employers with insured health plans may have received a Medical Loss Ratio (MLR) rebate from their health insurance carrier this year. Rebates were required for plans not meeting the 2024 MLR standards and had to be issued by September 30, 2025, either as premium credits or lump-sum payments. If any part of the rebate qualifies…
-
Healthy Through The Holidays: Your Winter Wellness Guide | PA Employee Benefits Team
The transition into winter and the busy holiday season often brings two things: cold weather and packed calendars. While the shorter days and festive cheer are welcome, they also present unique challenges to our health, including managing stress, fighting off seasonal illnesses, and maintaining an active routine. Staying healthy this winter isn’t about grand gestures;…
-
The Power of Gratitude: A Guide to Well-Being | Pennsylvania Benefits Agents
The phrase “attitude of gratitude” is more than a simple rhyme—it’s a powerful reminder to intentionally practice thankfulness in our daily lives. Consistently acknowledging what we appreciate not only enhances our own mental and physical health but also positively affects those around us. What Is Gratitude? Gratitude means being thankful and ready to show appreciation…
-
The Future of Benefits: Integrating Health for a Thriving Workforce | Pennsylvania Benefits Team
The future of healthcare is rapidly evolving, with a clear trend toward integrating health interventions directly into employee benefits packages. As employers face rising healthcare costs—projected to increase by over 8% in 2025—they are rethinking how to deliver value to their workforce while managing expenses. This integration is reshaping not just what benefits are offered, but…
-
Small Business Insights: How to Avoid Insurance Gaps | PA Employee Benefits Group
Small businesses in all industries face numerous risks that can lead to significant financial losses. To mitigate these exposures, businesses secure insurance. Many considerations go into building an insurance portfolio; business leaders must be mindful of policy specifics, such as limits and exclusions. Failure to adequately address a business’s insurance needs can result in costly…
-
Benefits and Me | PA Employee Benefits Team
Insurance Costs Expected to Rise A new report from Mercer, a consulting firm specializing in human resources and financial services, predicts that health insurance costs will increase by an average of 6.5% in 2026. This is the most significant jump in 15 years. While health care spending has drastically increased over the last few years,…
-
New Federal Guidance Expands Access to Fertility Benefits | Pennsylvania Benefits Group
Federal regulators—specifically, the Departments of Labor, Health and Human Services, and the Treasury—issued joint guidance on October 16, 2025, making it significantly easier for employers to offer fertility benefits outside of their traditional group health plans. This action was driven by an Executive Order focused on protecting in vitro fertilization (IVF) access and reducing the…
-
Empowering the Next Generation: Making Benefits “Easy” for Young Employees| PA Benefits Team
Health Insurance today is significantly more complex for young workers than it was just a decade ago. This complexity is driven in large part by healthcare costs that have outpaced inflation, pushing premiums, copays, and other out-of-pocket expenses to comprise substantial portions of their budgets. For many younger employees, navigating this landscape is confusing –…
Blog