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Notes from our expert team.

November 6, 2026
Renewal season

Why your stop-loss renewal is so high this year (and what you can still negotiate)

Stop-loss renewals are up for a second straight year, driven by bigger, more frequent catastrophic claims and rising specialty drug costs. It's tempting to retreat to a fully insured plan, but that usually buries the same risk inside a premium you can't see into. Here's what's behind the increases and the levers that still work.

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Benefits of a PEO: Pros, cons, and costs for employee benefits
Employee benefits broker commissions: How do brokers make money?
7 common mistakes to avoid when hiring an employee benefits broker
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May 23, 2024
Employee experience
Elevate company culture by focusing on the employee experience
Benefits are part of the employee experience — they can elevate your company's culture. Partnering with a broker who supports your employees’ needs can make you an employer of choice. Ed Ligonde of Nava Benefits broke it down for us.
Photo of Chris Renzulli, Founding Partner and Market Director at Nava Benefits
May 15, 2024
Employee benefits
Build the best employee experience: make benefits a year-round conversation
Founding Partner and Market Director at Nava Benefits, Chris Renzulli, shares his personal experience navigating healthcare challenges and what inspired him to create a better way. He sheds light on the confusing and frustrating state of the current system, and offers valuable insights on how HR teams can effectively collaborate with benefits partners to create a more seamless and supportive experience for employees.
Dad and son playing during breakfast
September 1, 2023
Employee benefits
6 interesting employee benefits trends
Employees want more than the benefits traditionally offered by prospective and current employers. Many are turning down or leaving jobs over a lack of desired benefits. Learn more about some of the biggest benefit trends you can implement to attract and keep top talent.
Employee doing yoga while working from home
August 1, 2023
Employee benefits
5 unique employee benefits
Today’s job market isn’t competitive only for employees. Employers also have to compete to attract the best talent, and one way they can do so is with unique employee benefits. Successful benefits packages go beyond traditional health insurance and retirement accounts to include wellness perks, travel stipends, or tech-driven extras. With the right combination of benefits, the return on investment can be significant.
HR leader and broker talking about ERISA compliance
June 5, 2023
Employee benefits
What Is ERISA (and What Are ERISA Employee Benefits?)
The Employee Retirement Income Security Act (ERISA) oversees most employer-sponsored benefit plans, including health insurance. HR professionals must understand ERISA employee benefits and follow the guidelines to remain compliant. Here’s your guide to ERISA, what it covers, and how to stay compliant.
Confused employee looking at benefits guide
May 24, 2023
Employee benefits
Do Your Employees (Really) Understand Their Benefits?
Far too many employees don’t understand their benefits – and that leads to a lot of frustration and wasted money (for the employer and the employee). Here’s your guide to identifying the tell-tale signs whether your employees understand their benefits plans.
HR leader working on small business employee benefits
May 15, 2023
Working with brokers
Your Benefits Broker Can Help Max Your Mental Health Benefits ROI. Here's How.
As experts in mental health benefits, brokers should help employers build effective plans — and get the full value of their investment. Here’s your guide to how benefits brokers support their clients in building (and improving) mental healthcare benefits plans.
Smiling employee on smart phone
May 1, 2023
Announcements
Benefits member experience is broken. We launched the Nava Benefits App to fix it.
If we want to create a more accessible and equitable healthcare system, we have to fix the benefits member experience. That’s why we built the Nava Benefits App. Nava Cofounder and Chief Product Officer Donald DeSantis explains how Nava is improving member experience for our clients.
HR team working on small business employee benefits
April 26, 2023
Working with brokers
5 HR Tasks to Hand Off to Your Benefits Broker Today
The HR team of a small business is overwhelmed at best and overextended at worst – and that’s where your broker should step in. Your employee benefits broker can (and should) take on tasks like answering day-to-day questions, compliance support, finding opportunities to save money, employee support, and more.
HR team working on small business employee benefits
April 21, 2023
Employee benefits
How to Get Employee Benefits for a Small Business
Here’s your step-by-step guide to building an employee benefits offering at a small business – from finding a broker to determining which benefits to offer, and choosing the right carrier or plan for your team’s needs.
HR team working on small business employee benefits
April 20, 2023
HR tips and tricks
5 Common Small Business Benefits Management Pitfalls
Small business benefits management can be a daunting task, especially for small HR teams with limited staff and resources. Here are 5 common pitfalls among small businesses when it comes to benefits management (and how to avoid them).
Woman working on her small business employee benefits
April 7, 2023
Working with brokers
Benefits Brokers for Small Business: How to Hire the Right Benefits Broker
Finding a small business employee benefits broker can be a daunting task. We break the process down into five easy-to-follow steps: defining your business’s goals and needs, making a list of potential candidates with small business experience, running an RFP process, getting recommendations from other small businesses, and finding a broker who’ll be committed year-round.
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