Group plans, level-funded plans, CHOICE Arrangements (ICHRA) and QSEHRAs compared, plus what small employers typically contribute and what Michigan businesses are actually required to do.

Your medical deductible, dental maximum and vision allowance don't all reset on the same schedule. Here's how each one works, and why the end of the year matters.

Open Enrollment runs October 15 through December 7. Here's what to check in your plan, from doctors and drugs to 2027 Part D costs, before coverage renews January 1.