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Ancillary

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New HSA Rules Create Hidden Tax Traps for Long Island SMBs

Recent IRS changes expand HSA eligibility but create compliance headaches. Bronze ACA plans now qualify, and HSA funds can pay direct primary care fees - but new rules mean new ways to get penalized if you're not careful.

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Making Your Ancillary Benefits Actually Worth the Cost

You're paying for vision, dental, and life insurance your employees barely use. New 2026 data shows 40% of ancillary benefits go unused at small companies - that's money with zero ROI on retention or recruitment.

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Ancillary Benefits: Why Employees Don't Use What You Buy

Many Long Island employers pay for vision, dental, and life insurance benefits their employees never use. When staff don't understand their coverage, your benefits investment generates zero ROI in retention or recruiting.

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HSA Rules Just Got Better for Long Island Employers

New federal guidance expands HSA eligibility to ACA Bronze plans and allows tax-free Direct Primary Care payments. Plus higher contribution limits mean bigger tax deductions for your business in 2026.

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Why Vision Benefits Often Go Unused at Small Companies

Many small business employees skip their annual eye exams despite having vision coverage. Here's how Long Island employers can boost utilization and maximize their investment in ancillary benefits.

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Ancillary Benefits: Making Smart Choices Post-Enrollment

Open enrollment is over, but many Long Island employers are discovering gaps in their ancillary benefit selections. Understanding cost transparency and utilization trends can help you optimize these plans before next year's renewal.

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Making the Most of Your Dental Benefits in 2026

Cost transparency requirements and preventive care trends are reshaping dental benefits. Long Island employers can help employees maximize coverage while controlling premium costs through strategic plan design.