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  • Employee Benefit Services

    Health & Employee Benefits Solutions

    You’ve built your business with heart and soul; we help you protect it with benefits programs designed to reduce one of your largest spends while strengthening your greatest asset, your team.

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    • Benefits Plan Design and Healthcare Cost Management

    Cut costs, boost retention, and enhance your benefits.

    • Corporate Wellness

    Enhance employee health and productivity, reduce healthcare claims.

    • Voluntary Benefits

    Personalized, life-enhancing employee-paid benefits.

    • Executive Benefits

    Provide critical financial protection for your business and its top performers.

    • Employee Advocacy

    On-call advocacy — solving benefits issues fast for your team.

    • Self-Insured

    Own your claims data and reduce costs with self-funding.

    • PBM Management Services

    PBM transparency strategies that deliver real drug savings.

    • Captive Strategies

    Reduce volatility and costs through captive risk sharing.

    Level Funding Health Plans Save Employers on Healthcare

    What is a level-funded health plan?

  • HR Services

    HR Consulting Services & Solutions

    Nothing is more important than getting complicated HR matters right the first time. We provide HR & Compliance support that protects your business and simplifies your workforce.

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    • Fractional HR

    Automate and streamline tedious FSA, HSA, COBRA, and other administrative functions.

    • Compliance

    ERISA, COBRA, ACA, and other HR expertise helps you to mitigate risk and avoid hefty fines.

    • Recruiting Services

    We help you source, attract, and hire the talent you need to grow your business.

    • Technology

    From onboarding to off-boarding, our consultants match you with the best HR technology within your budget.

    Employee Benefits Online Login Ipad

    Employee Navigator, our benefits enrollment platform

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JS Benefits Group logo – Employee benefits consulting and HR solutions
  • Blog
  • Home
  • About
    • Our Founder →
    • Meet the Team →
    • Our Process →
    • Industries We Serve →
    • Case Studies →
  • Employee Benefit Services
    • Benefits Plan Design and Healthcare Cost Management→
    • Corporate Wellness→
    • Voluntary Benefits→
    • Executive Benefits→
    • Employee Advocacy→
    • Self-Insured
    • Level-Funded Health Plans→
    • PBM Management Services→
    • Captive Strategies→
  • HR Services
    • Fractional HR→
    • Compliance→
    • Recruiting Services→
    • Technology→
  • PHCC Members
  • Associations
  • Events & Media
    • Press & Featured In →
    • You Tube Videos and Events →
    • Webinars →
    • Forbes Business Council→
  • Resources
    • Cost Savings Overview →
    • ACA Penalty Calculator →
    • Benefits Benchmark Tool →
    • HR Compliance Calendars
      • Federal
      • Pennsylvania
      • New Jersey
      • New York
      • Maryland
      • Delaware
    • Open Enrollment Checklist
  • Benefits Login
  • Blog
  • Contact
  • Home
  • About
    • Our Founder →
    • Meet the Team →
    • Our Process →
    • Industries We Serve →
    • Case Studies →
  • Employee Benefit Services
    • Benefits Plan Design and Healthcare Cost Management→
    • Corporate Wellness→
    • Voluntary Benefits→
    • Executive Benefits→
    • Employee Advocacy→
    • Self-Insured
    • Level-Funded Health Plans→
    • PBM Management Services→
    • Captive Strategies→
  • HR Services
    • Fractional HR→
    • Compliance→
    • Recruiting Services→
    • Technology→
  • PHCC Members
  • Associations
  • Events & Media
    • Press & Featured In →
    • You Tube Videos and Events →
    • Webinars →
    • Forbes Business Council→
  • Resources
    • Cost Savings Overview →
    • ACA Penalty Calculator →
    • Benefits Benchmark Tool →
    • HR Compliance Calendars
      • Federal
      • Pennsylvania
      • New Jersey
      • New York
      • Maryland
      • Delaware
    • Open Enrollment Checklist
  • Benefits Login
  • Blog
  • Contact

Author: Jennifer Schaefer

Jennifer Schaefer, MBA, ChFC, SHRM-SCP – Employee Benefits Expert | HR Leader | Certified Corporate Wellness Specialist As founder & CEO of JS Benefits Group, Jennifer Schaefer has spent 30 years helping employers lower healthcare costs through level-funded and self-funded plan design, claims data analysis, and benefits programs that keep good people from leaving. She writes for the Forbes Business Council, co-hosts Executive Leaders Radio, and has been quoted in the Philadelphia Inquirer on employer health costs.

Why Regular Policy Reviews Should Be Part of Every HR Strategy

HR policy reviews

Learn why regular HR policy reviews help businesses stay compliant, support employees, and improve workplace practices.

The Benefits Mistakes That Quietly Drive Up Healthcare Costs for Small Businesses

Small business health insurance costs

Small business health insurance costs rise when benefit plans go unmanaged. Learn common mistakes that increase spend and how employers can fix them.

How HR Can Help Businesses Adapt to Changing Workforce Expectations

Changing workforce expectations

Learn how HR helps businesses adapt to changing workforce expectations with better employee support and flexible workplace strategies.

How Pennsylvania Employers Can Build Better Benefits Without Raising Premiums

Group health insurance Pennsylvania

Learn how Pennsylvania employee benefits can improve through smarter plan design, employee support, and cost control without raising premiums.

Mid-Market Employers Are Rethinking Health Plan Funding: Why the Conversation Can’t Wait Until Renewal

Executives discussing employee health plan funding and benefits strategy

By Jennifer Schaefer, MBA, ChFC, CLU, RHU, REBC, SHRM-SCP Founder & CEO, JS Benefits Group | Forbes Business Council Contributor | Co-Host, Executive Leaders Radio For years, many mid-market employers have approached healthcare benefits the same way: wait for the renewal, review the premium increase, negotiate where possible, and decide whether to absorb the additional […]

Creating a Workplace Where Employees Want to Stay Long-Term

Employee retention

Learn how businesses can create a positive workplace culture, improve employee retention, and build an environment where employees want to stay long-term.

How Pennsylvania Businesses Can Tell When It’s Time for Fractional HR Support

Fractional HR Services Pennsylvania

Fractional HR services Pennsylvania help employers spot HR gaps, compliance risks, and people issues before growth becomes harder to manage.

Common Hiring Mistakes That Slow Down Business Growth

Hiring mistakes

Learn how common hiring mistakes can affect business growth and discover better ways to improve recruitment, employee selection, and HR processes.

How King of Prussia Businesses Can Build HR Structure Without Adding Headcount

scalable HR systems

Fractional HR King of Prussia helps businesses build HR structure, improve HR compliance, and grow without adding headcount.

How Strong HR Documentation Protects Pennsylvania Employers

HR documentation

Learn how strong HR documentation helps Pennsylvania employers improve compliance, reduce workplace risks, and create better HR processes.

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JS Benefits Group logo – Employee benefits consulting and HR solutions

EMPLOYEE BENEFITS & HR CONSULTING

We help employers with group health insurance, compliance, cost control strategies, and employee benefits planning in NJ, MD, NY, DE, PA and the Philadelphia region.

CONTACT US

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  • 54 Friends Lane, Suite 121
    Newtown, PA 18940
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Questions? Call us at (877) 355-6070

An employer healthcare stipend is a fixed, often taxable, amount of money provided to employees to help cover costs for individual health insurance premiums, deductibles, or copays. Unlike traditional group plans, it offers flexibility by allowing employees to select their own coverage, often used by small businesses.

The ICHRA is a low maintenance, tax-free reimbursement account that you can use as a health plan. You simply reimburse your employees tax-free for their healthcare. An ICHRA satisfies the ACA requirement and scales with your team, allowing you to offer robust attractive health benefits.