Lumity Blog

Most fully-insured employers are flying blind into their annual health plan renewals. Without claims data, finance and HR professionals have no way of knowing what to expect. So, if you’ve ever gotten a steep renewal rate, or you’re facing one now, read on. First, we’ll explain...

For most U.S. employers, providing employee health care coverage is a cost of doing business, not your core business. And it's the second largest operational expense after wages. Yet HR and finance professionals have little—or no—visibility into this expense. So, the question is, how can you...

In our previous post about driving Health Savings Account (HSA) adoption, we covered how to mitigate employee risk with your health plan design. In this final post in our series, we’ll focus on employee HSA education. HSA survey respondents who cited a “lack of employee understanding”...

We're launching this "How to Drive HSA Adoption" series to share insights derived from Lumity's 2018 State of the HSA Survey. More than 350 professionals in HR and finance responded to our survey, and over 97 professionals participated in our HSA market research calls. Companies ranged in...

Tax and Coverage Rules When it comes to health benefits for domestic partners, employers often struggle with the tax and coverage rules. Multiple factors compound the complexity, so if you’re not an expert, it’s easy to spin in circles. This blog is intended to provide employers with...

Small Group vs Large Group Insurance High growth companies, especially those in the tech startup world, often race past the large group health insurance threshold without much fanfare. It’s understandable. Until you hit 50 or 100 employees (see table; the number varies by state), you don’t...


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