Broker’s Desk is an ongoing series of Ohio small business health insurance articles where Ted Stevenot shares first-hand observations from more than three decades helping Ohio small businesses navigate health insurance, employee benefits, renewals, and difficult insurance decisions.
Rather than explaining insurance in theory, these articles document how real-world decisions are evaluated and worked through while protecting client confidentiality. Some articles explain a process. Others tell the stories behind the work. Together they provide a behind-the-scenes look at how an experienced Ohio small business health insurance broker approaches the situations employers face every day.
Ohio Small Business Health Insurance Articles
What Does an ICHRA Benchmark Actually Mean?
An ICHRA benchmark helps determine how much an employer contributes, but it does not necessarily determine which health plan an ...
Is the Ohio Chamber Health Benefit Program Ending? What Ohio Employers Should Know for 2027
The Ohio Chamber Health Benefit Program is changing for 2027. Here’s what Ohio employers currently enrolled in the program should ...
Where Does a 20% Health Insurance Renewal Increase Go?
A 20.6% renewal increase does not mean every part of the health plan increased by 20.6%. Here’s how we worked ...
ICHRA Is Now CHOICE: What Ohio Small Employers Should Know
Federal agencies are now promoting ICHRA as a CHOICE Arrangement. Here’s what changed, what didn’t, and what Ohio small employers ...
Will ICHRA Become the 401(k) of Health Insurance?
ICHRA may represent more than another way to fund health insurance. Its incentives could shift employers from choosing one group ...
ICHRA, Marketplace Subsidies and Medicaid: What Employers Need to Understand
Employees offered an ICHRA may face very different coverage paths depending on affordability, Marketplace subsidy eligibility, or Medicaid. Here’s what ...
ICHRA Renewal Volatility: What Employers Actually Control
ICHRA can make employer costs more predictable, but that does not mean renewal pressure disappears. Here’s what employers actually control, ...
What Does It Take to Make a 12% Health Insurance Renewal Increase Disappear?
A small employer I work with recently received a 12.1% increase on its health insurance renewal. It became a good ...
Can a One-Employee Ohio Employer Get Group Health Insurance? A Real Case Study
Whether a one-employee Ohio employer can get group health insurance depends on more than headcount alone. This real case study ...
