How to Maximize HSA/FSA Participation in 2026
Your organization offers health savings accounts and flexible spending accounts. You’ve done the administrative work, sent the enrollment emails, and provided the plan documents. Yet when enrollment closes, participation rates remain disappointingly low. Only 9% of HSA account holders invest any portion of their funds, and FSA participation figures suggest millions of eligible employees never […]
2026 FSA, HSA and HRA limits: New Year Blueprint
Most HR leaders face: when the IRS releases new benefit limits each year, organizations update their systems and documentation, then move forward until the next compliance cycle begins. But 2026? This year is different. And if you’re still treating these updates as just another compliance checkbox, you’re missing what could be the biggest employee engagement […]
Five years strong: Clarity is once again named as Best Places to Work
We’re beyond thrilled to announce that Clarity Benefit Solutions has been named one of the best places to work by NJBIZ for the fifth consecutive year. Five years of recognition. Five years of growth. Five years of proving that when you put people first, extraordinary things happen. This achievement isn’t just another plaque on the wall, it’s […]
Why technology-first solutions are winning in the benefits industry
The benefits industry has reached an inflection point. For decades, employers and employees have struggled with fragmented systems, confusing processes, and benefits that feel more like burdens than advantages. But a new paradigm is emerging, one where technology doesn’t just support benefits administration, it transforms it entirely. Organizations are increasingly investing in AI-powered platforms, predictive […]
Understanding COBRA compliance: Protecting your clients from costly federal penalties
As a broker, COBRA compliance represents a critical risk management issue that directly impacts your client relationships and professional liability. With Department of Labor penalties reaching $110 per day per qualified beneficiary and IRS excise taxes accumulating at $100-$200 per day per affected individual, compliance failures create substantial financial exposure. Recent enforcement data reveals that […]
Top HSA & FSA trends in consumer spending
The healthcare benefits ecosystem has reached an inflection point. After decades of viewing health savings accounts and flexible spending accounts as simple tax-advantaged vehicles, American consumers and employers are fundamentally reconceptualizing these tools as strategic financial instruments. This shift represents more than behavioral change, it signals a maturation of healthcare consumerism that demands fresh thinking […]
Advanced COBRA administration: Mastering technology integration and performance optimization
This is part two of our comprehensive COBRA administration transition series. If you haven’t read part one covering strategic migration frameworks and vendor selection, we recommend starting there for complete context. The migration from carrier-managed COBRA administration to specialized platforms represents more than operational necessity, it presents an unprecedented opportunity to implement next-generation technology solutions […]
Strategic COBRA administration migration: Your go-to-roadmap
The systematic withdrawal of major health insurance carriers from COBRA administration services represents a fundamental shift in the employee benefits ecosystem. Blue Cross and Blue Shield affiliates across Texas (BCBSTX), Oklahoma (BCBSOK), Arizona (BCBSAZ), Kansas (BCBSKS), and New Mexico (BCBSNM) are strategically divesting from administrative services to focus resources on core insurance products and risk […]
The great COBRA crisis: What brokers across multiple states need to know
The benefits universe operates on predictability. Brokers build their practices on understanding market dynamics, anticipating client needs, and positioning themselves as the steady hand that guides employers through regulatory complexity. But every so often, an event occurs that fundamentally shifts the landscape and separates the strategic advisors from the order-takers. We’re experiencing one of those […]
Section 125 compliance: The open enrollment rules that trip up most employers
As November 2025 open enrollment approaches, ensure your organization stays compliant while maximizing the value of your cafeteria plan benefits Open enrollment season represents both tremendous opportunity and significant risk for employers. While this critical period allows organizations to offer valuable tax-advantaged benefits to employees through Section 125 cafeteria plans, it also presents a complex […]