Resource center

Benefits are only complicated because nobody explains them. Everything here is written to be read once and understood — no jargon, no sales language.

Frequently Asked Questions

Fifteen questions Jeremy gets asked most often, grouped by whether you are an employer, an individual, or just wondering how working with a broker actually works. Cost, eligibility, timing, enrollment and what happens after you sign.

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Articles

Longer reads on the decisions that come up most: what benefits actually cost a small business, how to read a health plan before you choose it, and why voluntary benefits fill a gap most people do not know they have.

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Glossary

Benefits terms in one sentence each.

The words that show up on every plan document, defined the way you would explain them to a friend.

Premium: The fixed amount paid every month to keep coverage in force, whether or not you use it.
Deductible: The amount you pay out of pocket for covered services each year before the plan starts paying its share.
Copay: A flat dollar amount you pay for a specific service, like $30 for an office visit.
Coinsurance: Your percentage share of a covered cost after the deductible is met — 20% coinsurance means the plan pays 80%.
Out-of-pocket maximum: The most you can be required to pay for covered in-network care in a plan year; after that the plan pays 100%.
Network: The doctors, hospitals and facilities that have agreed to contracted rates with your plan — using them costs far less.
Guaranteed issue: Coverage you cannot be turned down for based on health, with no medical questions or exam at initial enrollment.
Voluntary benefits: Coverage offered through your employer but paid by you, usually through payroll deduction at group rates.
Hospital indemnity: A plan that pays you a set cash amount when you are admitted to a hospital, regardless of what the hospital bills.
Critical illness: A plan that pays a lump sum in cash upon diagnosis of a covered condition such as cancer, heart attack or stroke.
Short-term disability: Coverage that replaces part of your income for weeks or months when illness, injury or childbirth keeps you from working.
MEC (Minimum Essential Coverage): A plan design that satisfies the Affordable Care Act's baseline requirement, covering preventive services in full.
HSA (Health Savings Account): A tax-advantaged account, available with qualifying high-deductible plans, used to pay medical costs with pre-tax dollars.
HealthShare: A membership arrangement in which participants share eligible medical costs — lower cost than insurance, but not insurance.
Open enrollment: The annual window when you can join, change or drop coverage without needing a qualifying life event.
Qualifying life event: A change such as marriage, birth, a move or loss of coverage that opens a special window to enroll outside open enrollment.

Deeper Reading

Guides by topic.

For employers

Building a package, compliance basics, and what enrollment support should include.

Employee benefits

Filling the gaps

How accident, hospital indemnity, disability and critical illness coverage work together.

Voluntary benefits

Alternative funding

The MightyWELL model explained layer by layer, including what to watch for.

MightyWELL Health

Buying your own plan

Marketplace plans, subsidies, networks and enrollment timing for individuals and families.

Health insurance

Protecting your family

Term versus whole life, how much coverage you need, and a worked example.

Life insurance

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