Which Employers Must Offer New Jersey Pre-Tax Commuter Benefits?

Quick Answer: New Jersey pre-tax commuter benefits generally must be offered by employers with at least 20 employees for each working day during at least 20 calendar workweeks in the current or immediately preceding calendar year. Employees working outside New Jersey can count toward the 20-employee employer threshold. Covered employers must give eligible employees the […]

Employee Benefits Are a Business Strategy — Not Just an HR Expense

Business leaders discussing employee benefits strategy

For most of the employers I work with, health benefits are the second-largest expense on the books after payroll. Yet the decision about that expense often gets made in one meeting, once a year, in response to a number someone else calculated. That’s the part worth changing. BusinessABC made a version of this argument recently […]

How Claims Data Can Help Pennsylvania Employers Find Hidden Healthcare Savings

Claims data analysis

Claims data analysis gives Pennsylvania employers a clearer view of what actually drives healthcare spending. Premium increases often feel like a carrier’s decision, but the numbers usually point to specific patterns: high-cost prescriptions, avoidable ER visits, low rates of preventive care, or repeated claims tied to chronic conditions. Employers who study claims data before renewal […]