JRW Associates

05/29/2026

Still guessing what your health insurance actually covers? It's time to stop being a passive payer and start being an informed decision-maker. Our latest video gives you some tips on how to make every healthcare dollar count.
https://vimeo.com/1188327051?share=copy&fl=sv&fe=ci

Navigating healthcare can feel like trying to read a map in a language you don’t speak. Between all the acronyms and confusing rules, it’s easy to feel overwhelmed before you even step into a doctor’s office. Understanding your health plan is one of the best ways to protect both your health an...

05/26/2026

Are you making the most of your savings tools? Whether it’s the "forever money" in an HSA or the "use-it-or-lose-it" funds in an FSA, knowing how these accounts function can change your financial outlook for 2026. Check out our breakdown of the savings tools and payment basics—like deductibles and coinsurance—that every informed consumer should know.
https://jrwassoc.com/the-health-insurance-translator-making-sense-of-your-coverage/

05/25/2026

On this Memorial Day, our thoughts turn to the brave heroes who gave their lives for our country. Today we pause to express our deepest gratitude; their courage will forever be remembered.

05/19/2026

Read our latest blog post for compliance information on:

✅ A New Era of Health and Welfare Fiduciary
✅ CMS Revises Medicare Part D Creditable Coverage Rules for 2027
✅ IRS Releases 2027 Employer Shared Responsibility Payment Amounts

https://jrwassoc.com/employee-benefits-compliance-brief-may-2026/

A New Era of Health and Welfare Fiduciary Litigation Health and welfare plan fiduciaries are entering a period of increased legal scrutiny. For many years, fiduciary litigation under the Employee Retirement Income Security Act of 1974 (ERISA) focused primarily on retirement plans, and particularly o...

05/12/2026

HDHPs and HSAs can be a powerful benefits combo — but only when the rules are followed closely. From 2026 limits to Medicare timing and FSA pitfalls, this article breaks down the compliance details employers need to know.

https://jrwassoc.com/how-employers-can-avoid-common-hsa-mistakes/

High Deductible Health Plans (HDHPs) paired with Health Savings Accounts (HSAs) remain a cornerstone of modern benefits strategy. When executed correctly, they offer a powerful “triple tax advantage” for employees and lower premiums for employers. However, the federal rules governing these accou...

05/07/2026

Mental health struggles aren’t always obvious—but the signals are there. Persistent sadness, shifts in mood, or changes in behavior can all be early indicators. Noticing them early can open the door to meaningful support.

May is Mental Health Awareness Month—a timely reminder that awareness and speaking up can truly make a difference. Learn what to watch for and how to take that first step.

04/30/2026

Lower claims don’t start with better treatment— they start with better prevention.
🎬 Watch our latest video to discover the financial impact of preventive care.

04/29/2026

Most organizations spend their time talking about what happens when things go wrong—surgeries, ER visits, and high-cost claims. But the most successful benefit strategies focus on what happens when things go right.

Teaching employees about Preventive Care is a strategic financial move. When your team understands "first-dollar coverage," they stop waiting for symptoms to appear and start catching issues while they are small and manageable.

https://jrwassoc.com/from-reactive-to-proactive-empowering-employees-through-preventive-care/

In the world of employee benefits, we often spend our time talking about what happens when things go wrong—surgeries, emergency room visits, and specialist consultations. Today, the most successful organizations are shifting the conversation toward what happens when things go right. Teaching your ...

04/23/2026

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Did you know your walking pace could be a secret weapon for your heart health? A groundbreaking new study in BMJ Heart reveals that picking up the pace can significantly lower your risk of heart rhythm issues. Read our latest blog to learn more!

https://jrwassoc.com/wellness-works-spring-2026/

Spring into Motion: Strengthening Your Heart A new study published in BMJ Heart, a leading journal for cardiovascular advances, has found a powerful connection between your walking speed and your heart rhythm. According to the research, people who maintain an average or brisk walking pace have a 35%...

04/16/2026

Think you understand your health insurance? Most people don’t—and it’s costing them. From surprise bills to unnecessary ER visits, small knowledge gaps can lead to big expenses. Watch our latest video to learn more!