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Why Employer Health Costs Are Surging in 2025—and How Small & Mid-Size Businesses Can Push Back During Renewal Season

Employer health costs jumped again in 2025, with family premiums near $27,000. Here’s what’s driving the surge—and concrete steps SMBs can take now on plan design, funding, pharmacy strategy, and employee education to regain control before renewal.

When Business Slows Down: How Employers Can Protect Their Teams During a Government Shutdown

A federal shutdown doesn’t just hit Washington — it ripples through the entire economy. Here’s how business owners and HR leaders can stabilize cash flow, preserve benefits, and support employees when government contracts pause and uncertainty sets in.

What New York’s Essential Plan Changes Mean for Employers and Their Teams

New York will cut 450,000 residents from its Essential Plan in 2026 due to federal funding changes. For employers, this could increase demand for company health benefits and reshape recruitment, retention, and employee financial wellness.

Understanding Child Health Plus in New York: A Guide for Working Families

When it comes to employer-sponsored benefits, most conversations focus on the employee — but what about their children? In New York State, Child Health Plus (CHPlus) offers affordable, comprehensive coverage to children under 19, regardless of whether the parent receives health insurance through work. If you're an employee, HR

Health Insurance Costs to Jump Again in 2026: What Employers Can Do Now

Employers face the largest health insurance cost jump in 15+ years, with 2026 increases near 9–10% on a ~$25,500 family-plan baseline. See real-world cases, survey data, and a step-by-step framework to control trend — plus how Benton Oakfield can help without blunt cost-shifting.

What Business Owners Can Learn from Henry Ford’s $5 Workday

Henry Ford doubled wages in 1914 to keep workers loyal and productive. Business owners today can apply the same lesson: invest in your people, and they’ll invest in your business. Benton Oakfield helps companies turn benefits into retention tools.

How Commuter Benefits Save Money for Businesses and Employees

Commuter benefits let employees use pre-tax dollars for transit and parking, helping them save while reducing employer payroll taxes. Easy to implement and low-cost, this perk boosts morale and retention. Contact Benton Oakfield to get started.

How to Actually Compare Dental Insurance Plans (Without Losing Your Mind)

Confused by dental insurance quotes? Learn how to decode rate sheets, compare premiums, and understand deductibles, networks, and coverage tiers — so you can choose the best plan for your employees or family without overpaying.

How To Accurately Complete an Employee Census for Insurance Quotes

Learn how to accurately complete an employee census form for health insurance quotes. This step-by-step guide breaks down employee relationships, coverage types, and common mistakes to avoid.

Health Insurance Costs, Explained: A Clear Guide to Premiums, Deductibles & More

Confused by premiums, deductibles, and out-of-pocket maximums? This guide breaks down the most important health insurance terms, walks through an example, and shows how to pick a plan that won’t cost you more than it should.

From Shell Shock to Growth: Business Lessons from 2020 for 2021

2020 tested every business, but hardship breeds growth. Like a lobster shedding its shell, now’s the time to adapt, rebuild, and thrive. Here’s how 2021 can be your turning point.

How to Maintain Your Company Culture While Working Remotely

Keep your culture alive while working remotely. From over-communication to virtual games and employee wellness, here are five strategies to maintain morale, engagement, and shared purpose—no ping pong table required.

Can You Get Money Back From Your Insurance Company? Understanding Level Funded Health Plans

Can your business get money back from the insurance company? With level funded health plans, the answer might be yes. Learn how these plans work, why they’re growing in popularity, and how Benton Oakfield helps businesses choose the right path.

4 Key Things Every Small Business Must Know About COVID-19 Grants and Loans

Government relief programs have been a lifeline for many small businesses during the COVID-19 pandemic. Between federal stimulus packages, state programs, and local initiatives, billions of dollars in grants and loans have been made available. But as with anything involving Congress, agencies, and paperwork, there are hidden pitfalls and rules