Johnson & Dugan Insurance Services Corporation

06/11/2026

Are you familiar with the term "balance billing”? The absolute best way to shield your wallet from these surprise costs is to stay in-network. Contractually, in-network (preferred) providers are strictly prohibited from balance billing you for covered services—meaning they must accept your insurance plan's negotiated rate as payment in full.

06/09/2026

One in three Americans now uses AI for health advice-but here’s the catch: it’s not a doctor. Learn the risks behind the convenience and how to use AI safely.
https://johnsondugan.com/the-digital-diagnosis-navigating-the-risks-and-rewards-of-health-ai/

In the modern age of instant information, the way we seek medical advice is shifting. According to a recent poll by KFF, one in three U.S. adults now uses artificial intelligence to look up health information. While these tools offer unparalleled convenience, they are fundamentally not designed to p...

06/05/2026

If your organization hasn’t evaluated ACA compliance recently, these updated amounts make proactive planning more important than ever. Read our latest blog for a breakdown of the new penalties and what employers need to know for 2027.
https://johnsondugan.com/aca-pay-or-play-penalties-increase-for-2027/

On May 4, 2026, the IRS announced updated penalty amounts for 2027 under the Affordable Care Act’s (ACA) employer shared responsibility, or “pay-or-play,” rules. For the 2027 calendar year, the $2,000 penalty has been adjusted to $3,780, and the $3,000 penalty has increased to $5,670. This mar...

06/03/2026

Your roadmap to a smooth Open Enrollment is here! Read our latest infographic for key deadlines and must-do’s to get your team prepared.

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...

05/27/2026

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://johnsondugan.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

Not all mental health struggles look the same. Changes in mood, sleep, energy, focus, or behavior can sometimes be more than “just stress.” Knowing the warning signs is the first step toward getting support for yourself or someone you love. 💙

This article breaks down common signs of mental illness in adults and children, how diagnoses work, and where to find help and treatment resources. Because mental health matters — and help is available.

https://johnsondugan.com/warning-signs-and-symptoms-of-a-mental-health-condition/

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

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.