Employer Health Insurance Contributions: How Much Should Bucks County Employers Pay?

Benefits consultant and employer reviewing health insurance contribution costs and benefits budget.

There is no single employer health insurance contribution that works for every Bucks County business. Start by making employee-only coverage reasonably affordable, then decide how much to contribute toward spouse and family coverage based on budget, employee wages, enrollment, and hiring needs. For 2026 plan years, applicable large employers should also review the 9.96% ACA […]

Are PBM Prescription Drug Costs Rising for Bucks County Employers?

Prescription medication, pharmacy cost reports, calculator, and laptop on an office desk.

If PBM prescription drug costs are rising, start by comparing pharmacy spending with prescription use. If employees are filling about the same number of prescriptions but the plan is paying more, review specialty drug costs, rebates, PBM fees, spread pricing, and the plan’s net pharmacy cost. A large increase without a similar increase in prescription […]

Does My Pennsylvania Company Need an ERISA Wrap Document and Summary Plan Description?

Benefits consultant reviewing ERISA plan documents with an employer in an office.

If your Pennsylvania company offers employee benefits covered by ERISA, you generally need proper written plan documentation and a Summary Plan Description, or SPD. A document specifically called an ERISA wrap document is not required by name, but employers often use one when insurance carrier materials do not contain all the employer-specific information needed for […]