AUI

10/16/2026

Disability insurance is one of those benefits you hope you never need to use, but really come in handy when you need it most. It is also one of those benefits that could make or break your employee benefits package. Read more about it on our blog. https://auiinfo.com/the-downlow-on-disability-insurance/

Today, you can have that piece of mind for whatever life throws at you. In this blog we are going to examine the different types of disability insurance for you as a business owner or just an individual that does not have coverage offered by your employer.

10/16/2026

Faced with rising costs, many owners think they only have two choices:️⃣ Scrap benefits entirely (and leave their team in the dark) Give a taxable stipend (and let the IRS take a cut) 💸

Neither of these is ideal for a "People-First" business!

Your employees are the heart of your business. Giving them a stipend is a nice gesture, but once taxes hit, it might not be enough to actually get them the care they need. We believe in "Simplifying the Complicated" so you don’t have to choose between a huge bill and a lost team. There's a better way to provide a roadmap for your work family!

10/14/2026

Northeast Ohio is lucky to have so many great insurance carriers! But here is a "Simplified" truth you need to know: A carrier's "Group" network is NOT the same as their "Individual" network.

Just because your doctor is in-network today doesn't mean they will be if you switch to a Marketplace plan. Whether it’s SummaCare, Medical Mutual, or any of our 8 local carriers, the rules of the game change once you leave a group plan.

Taking care of your work family means making sure they can keep their doctors. Before you make a change, you need a partner who can show you the "AHA" moments in the fine print. We're here to make sure your team stays supported, and your business stays protected.

10/14/2026

We have some great tips for prescription drug coverage and managing your medication costs on our blog! Check them out here, it might just save your wallet! https://auiinfo.com/tips-for-prescription-drug-coverage-and-managing-medication-costs/

Managing medication costs is a priority for most Americans. Prescription medications are essential for managing chronic conditions and maintaining overall health. However, rising costs can make them a financial challenge.

10/12/2026

Would you offer telemedicine options for your employees? More companies are doing this to keep healthcare costs more affordable. Read about the options for telemedicine on our blog:

Telemedicine is not just a trend; it is the future of healthcare for small businesses in Ohio. Let AUI help you embrace this innovative solution and create a healthier, more productive workforce.

10/12/2026

Stop the "Premium Roller Coaster!" If your health insurance costs are going up every year because of things you can't control, it's time to look at an ICHRA.

Instead of a traditional plan where the price is a moving target, you can give your team a set amount of money each month (like a "health allowance") to pick up their own plan!

Taking care of your team doesn't have to mean writing a blank check to insurance companies. With an ICHRA, you stay in control of the budget, and your employees get the freedom to choose what’s best for their families. It’s a win-win for the heart and the head of your business.

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10/09/2026

Have you ever wondered about Self-Funded healthcare plans for your small businesses? Learn more about this option on our blog: https://auiinfo.com/understanding-self-funded-healthcare-plans-for-small-businesses/

10/09/2026

Protecting your business shouldn't mean leaving your team behind. When costs get tight, some owners think the only answer is to cut benefits entirely. But "feeding your employees to the wolves" is a quick way to lose your best people and, eventually, your business.

Real leadership is about finding a way to do both: protect the business AND support the family of employees who make it work. If you're feeling the pressure, don't just eliminate; let's redesign. Replacing a traditional plan with something more sustainable is how you stay in the game for the long haul.

10/07/2026

It’s a tough spot to be in: You want to give your team raises, but your health insurance bill keeps climbing higher and higher. For some businesses, insurance costs are even starting to overtake payroll.

If you’ve felt stuck between choosing "business health" and "employee care," you aren’t alone!

Our clients don't want to "feed their team to the wolves"; they want to be the leaders their employees deserve. It isn't about cutting people off; it's about finding a smarter, more sustainable way to guide them toward the care they need so you can keep investing in their growth.

10/07/2026

Do you know how to calculate contribution rates for health insurance? Here is our guide:

Calculating contribution rates is not just a financial exercise, it is a strategic decision. One that can shape the success of your business.