COBRA can cost up to 102% of premium and lasts 18-36 months depending on the qualifying event. Here's a clear breakdown of deadlines, costs, and compliance risks. ...more
COBRA ,Coverage
October 15, 2026•11 min read

Lost job-based coverage? You get 60 days to elect COBRA, but premiums can run up to 102% of the full cost. Here's how eligibility and deadlines work. ...more
Insurance ,Losing Your Job
October 09, 2026•12 min read

LSAs have no IRS contribution cap, but reimbursements are usually taxable wages subject to income, Social Security, and Medicare tax. Here's how it works. ...more
Lifestyle Spending Account
October 02, 2026•11 min read

Comparing ICHRA vs group health plan for 2027? See the 90-day notice rule, minimum class sizes (10-20 employees), and ACA affordability math before switching. ...more
ICHRA
October 01, 2026•11 min read

QSEHRA caps out at $6,350 for 2025, ICHRA has no limit. See how HRA types, compliance rules, and admin actually work before you pick a plan design. ...more
HRA
September 30, 2026•11 min read

A plain-English guide to Health Savings Account (HSA) from CafeHealth. ...more
HSA
September 29, 2026•10 min read

Phoenix employers can offer pre-tax commuter benefits up to $325/month for transit and $325 for parking under IRS rules—no local mandate required. Here's how it works. ...more
Commuter Benefits
September 25, 2026•11 min read

See how ICHRA works: 11 employee classes, no contribution cap, 2025 affordability at 9.02% of income, 90-day notice rules, and how to switch from group coverage. ...more
ICHRA
September 23, 2026•11 min read

Losing job-based health coverage? Here's exactly how COBRA continuation coverage works, what it costs, deadlines to know, and employer compliance rules. ...more
COBRA ,Job Loss
September 17, 2026•10 min read

Commuter benefits administration in Phoenix explained: 2026 IRS limits hit $340/month for transit and parking, plus Valley Metro rules and setup steps. ...more
Commuter Benefits
September 15, 2026•10 min read

Setting up a QSEHRA or ICHRA? See IRS contribution limits, the 9.02% ACA affordability threshold, COBRA rules, TPA costs, and 4-8 week setup timelines. ...more
HRA
September 10, 2026•12 min read

COBRA lets you keep your exact plan for 18-36 months, but you'll pay up to 102% of the premium yourself. Here's who qualifies, the 60-day deadline, and costs. ...more
COBRA ,Coverage
September 07, 2026•10 min read
