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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

Fully Insured vs Self-Funded Health Insurance: Which Is Better for Employers?

Fully insured vs self-funded health insurance

Learn about fully insured vs self-funded health insurance and compare costs, flexibility, coverage, and options to find the right fit for your business.

Level-Funded Health Plans: Are They Right for Your Business?

Level-funded health plans

Learn how level-funded health plans work and what businesses should consider when deciding if this health insurance option is right for their employees.

Employee Benefits Trends Pennsylvania Businesses Should Watch in 2026

Employee benefits trends

Explore key employee benefits trends Pennsylvania businesses should watch in 2026 to attract talent, improve retention, and support employee well-being.

How Family-Friendly Benefits Can Improve Employee Retention

Employees working together in an office environment.

Learn how family-friendly benefits can improve employee retention, support working families, and create a more supportive workplace.

How Preventive Health Benefits Can Lower Long-Term Employer Costs

Preventive health benefits

Learn how preventive health benefits can support employee wellness, reduce long-term healthcare costs, and help businesses build a healthier workforce.

Why Philadelphia Employers Are Rethinking Employee Benefits Before Renewal Season

Group health insurance Philadelphia

Philadelphia employee benefits need early review before renewal season. Learn how employers can manage costs, improve plans, and reduce renewal pressure.

Why Annual Benefits Reviews Help Employers Stay Competitive

Annual benefits reviews

Learn why annual benefits reviews help businesses stay competitive by improving employee benefits, supporting retention, and attracting top talent.

How the Right Benefits Package Can Improve Employee Recruitment

Employee recruitment

Learn how the right benefits package helps businesses attract qualified candidates, improve employee recruitment, and support long-term hiring success.

What CFOs Should Ask Before Approving Next Year’s Benefits Budget

Healthcare cost containment

Employee benefits budget decisions need more than renewal rates. See what CFOs should ask before approving next year’s benefits spend.

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.

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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.

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  • (877) 355-6070
  • info@jsbenefitsgroup.com
  • 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.