Total Benefit Solutions, Inc

04/06/2026

The ‘Minimum’ Plan That Doesn’t Mean Minimum Advocacy

When you hear the word "minimum," what comes to mind? Usually, it’s the bare essentials. The absolute basement. The least amount you can do to get by without getting in trouble. In the world of employee benefits, a "Minimum Value Plan" (MVP) often carries that same stigma. Many business owners view these plans as a "check-the-box" compliance strategy, a way to avoid those stinging Affordable Care Act (ACA) penalties without breaking the bank....

When you hear the word "minimum," what comes to mind? Usually, it’s the bare essentials. The absolute basement. The least amount you can do to get by without getting in trouble. In the wo…

04/06/2026

Medicare Secondary Payer Rules: A Quick-Start Guide for Employers with 65+ Staff

As we move further into 2026, the landscape of the American workforce continues to shift. More than ever, we are seeing valued team members choose to work well past the traditional retirement age of 65. While having that experience and institutional knowledge on your team is a massive win for your business, it does introduce a specific layer of complexity regarding your employee benefits strategy....

As we move further into 2026, the landscape of the American workforce continues to shift. More than ever, we are seeing valued team members choose to work well past the traditional retirement age o…

04/04/2026

A new Special Enrollment Period has been created allowing select beneficiaries in Pennsylvania to shop for coverage until April 30

A new Special Enrollment Period (SEP) has been opened for certain Pennsylvania UnitedHealthcare Medicare Advantage beneficiaries, allowing them to shop for new coverage through April 30 due to a contract dispute with Lehigh Valley Health Network that eliminated in-network access for affected members as of January 26, 2026. This SEP is separate from the standard Medicare Advantage Open Enrollment Period, which ends March 31....

A new Special Enrollment Period has been created allowing select beneficiaries in Pennsylvania to shop for coverage until April 30

04/04/2026

Retiring at 62? That’s the dream. But that three-year gap until Medicare starts can feel like a financial nightmare if you’re looking at ACA premiums without a subsidy. If you’re healthy and want to protect your retirement savings, a short-term plan can act as your "Bridge to Medicare." It’s about being smart with your math. Why pay for benefits you don't need when you can have a high-quality PPO until you hit 65? Let’s run the numbers together.

Contact us today to review your coverage options.
www.totalbenefits.net
(215) 355-2121

04/03/2026

HRAs Growing for Small Businesses

Health Reimbursement Arrangements (HRAs) are becoming an increasingly popular option for small businesses looking to provide affordable healthcare benefits. These employer-funded accounts allow companies to contribute tax-free dollars that employees can use to cover qualified medical expenses or purchase individual health insurance. There are several types of HRAs available, including the General HRA, which works alongside group insurance to cover out-of-pocket costs like co-pays, dental, and vision; the Individual Coverage HRA (ICHRA), which reimburses employees for insurance they purchase on their own; and the Qualified Small Employer HRA (QSEHRA), designed specifically for businesses with fewer than 50 employees that do not offer group plans....

The growing popularity HRAs among small businesses as a solution to the challenges of providing affordable healthcare benefits to employees.

04/03/2026

Filing a tax extension? Prior-year HSA contributions are still due by April 15, even if you file for more time. Secure your tax savings before the window closes. Call 215-355-2121 or visit www.totalbenefits.net.

04/03/2026

Retired at 60? You’ve got five years until Medicare, and COBRA is eating your retirement savings alive.

You don’t have to drain your 401k just to stay insured.

Short-term plans can bridge that 60-to-65 gap for much less than an ACA plan or COBRA. Keep your retirement money where it belongs: in your pocket.

You can review, compare and enroll on plans in minutes! Contact our team today to find your bridge.

www.totalbenefits.net
(215) 355-2121

04/01/2026

Turning 26 is a major milestone, but the 2026 ACA "Affordability Trap" is a real risk for young professionals. Just because a plan meets federal affordability standards on paper doesn’t mean it provides the actual coverage you need.

Many 2026 marketplace plans feature lower premiums but hide massive deductibles and narrow provider networks. We have seen too many young adults sign up for "affordable" options only to face significant out-of-pocket costs when they actually need care.

Total Benefit Solutions acts as your advocate to navigate these complex regulatory changes. We analyze the technical details to identify hidden gaps and ensure your plan aligns with your healthcare needs and budget. We never accept "no" as an answer when fighting for your benefits.

Review, compare, and enroll with confidence.

📞 Call us: (215) 355-2121
🌐 Visit: www.totalbenefits.net

04/01/2026

Ever feel like a "no" from your insurance company is just a robot talking? 🤖 In 2026, we have a new secret weapon: transparency rules that force insurers to show their work. If you're new to the ACA world after turning 26, don't just take "no" for an answer. We use these new reports to fight for the benefits you actually deserve.

Need an advocate who knows the rules better than they do? Give us a shout at (215) 355-2121! You can review, compare and enroll on plans in minutes on our website.

www.totalbenefits.net
(215) 355-2121

04/01/2026

Excited to be featured in The Philadelphia Inquirer! 🗞️

Small businesses are facing a 10% hike in group insurance costs for 2026. It’s a tough spot: wanting to do right by your team while keeping the lights on. That’s why we’re seeing a massive shift toward HRAs and ICHRAs.

As I told the Inquirer, it’s all about flexibility. You decide the levels, the caps, and the categories. You don't have to settle for 'nothing' just because traditional group plans are out of reach.

Check out the full story here: https://www.inquirer.com/business/small-business/health-insurance-small-business-employer-costs-hra-reimbursement-20260317.html

At Total Benefit Solutions, we don’t just set these up; we act as an advocate for your employees, making sure they find the right plan for their families.

Call us today at (215) 355-2121 or visit www.totalbenefits.net to learn how an ICHRA can work for your business.

04/01/2026

The "Quarterly Shuffle": Managing the new 3-month limit as a freelancer. 💻

Under the new 2026 federal rules, short-term plans are strictly limited to 3 months. For freelancers and gig workers, this means you can't just "set it and forget it" anymore.

You have to be strategic about your re-application timing and understand that you might face new underwriting every 90 days.

Exhausted just thinking about it? That’s what we’re here for. We keep track of the calendar so you can focus on your business. We’ll help you navigate the "re-entry" rules so you're never left without a safety net.

Give us a call or visit our website to review your options and ensure your coverage stays active. You can review, compare and enroll on plans in minutes!

(215) 355-2121
www.totalbenefits.net