The VS Benefits Blog

Practical reads for business owners and families

No jargon. No filler. Just the same things we tell clients on the phone, written down so you can share them with your partner, your CFO, or your CPA.

The 10-99 Employee Group Health Playbook
Group | 12 min read

Small business group health insurance: a practical guide for 10-99 employees

Fully insured vs. level-funded vs. ICHRA. What actually moves premiums, what saves on taxes, and what the 3 biggest renewal traps look like.

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ACA Open Enrollment 2027 - What to Do Now
Individual / Family | 9 min read

ACA Open Enrollment 2027: your plain-English checklist

Key dates, subsidy math, network gotchas, and the 5 mistakes we see every November. Bookmark this before Nov 1, 2026.

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Miami Small Business Health Insurance
Miami / Florida | 8 min read

Miami small business health insurance: what is different here

Carrier availability, hurricane season service expectations, and why Florida small groups need a specialized advisor.

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