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 518-373-4111

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  • Business
    • Business Owners Policy (BOP)
    • Commercial Auto Insurance
    • Commercial Property Insurance
    • Cyber/Data Breach Liability
    • Disability Insurance
    • Employee Dishonesty Insurance
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    • Paid Family Leave (PFL)
    • Surety Bonds
    • Workers’ Compensation
  • Employee Benefits
    • Small Business Health Insurance
    • Dental Insurance
    • Flexible Spending Account (FSA)
    • Health Insurance
    • Health Reimbursement Arrangements (HRA)
    • Individual Coverage HRA (ICHRA)
    • Life Insurance
    • Qualified Small Employer HRA (QSEHRA)
    • Transportation & Commuter Benefits
    • Vision Insurance
    • Voluntary Benefits
  • Personal
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Maximize Your Benefits Strategy: How HDHPs Can Work for Your Business

Maximize Your Benefits Strategy: How HDHPs Can Work for Your Business

by Sarah Dwyer | Aug 20, 2025 | Employee Benefits

As open enrollment approaches, employers have a prime opportunity to review their benefits strategy. A well-designed benefits package not only attracts top talent but also helps retain your current workforce. High-Deductible Health Plans (HDHPs) are a common offering...
2026 Open Enrollment: Compliance: Key Changes & Deadlines for Employers

2026 Open Enrollment: Compliance: Key Changes & Deadlines for Employers

by Sarah Dwyer | Aug 7, 2025 | Employee Benefits

To prepare for open enrollment, employers that sponsor health plans should be aware of compliance changes affecting the design and administration of their plans for plan years beginning on or after Jan. 1, 2026. These changes include limits adjusted for inflation each...
HRA Options: Which is the Right Fit for Your Business?

HRA Options: Which is the Right Fit for Your Business?

by Sarah Dwyer | Aug 5, 2025 | Commercial Insurance

Choosing the right health benefits for your team is one of the most important decisions you make as a business owner. Health Reimbursement Arrangements (HRAs) have emerged as a flexible, cost-effective alternative to traditional group health insurance plans, giving...
IRS Addresses Nutrition, Wellness, and General Health Expenses

IRS Addresses Nutrition, Wellness, and General Health Expenses

by Trevor Sparks | Apr 2, 2024 | Employee Benefits

The Internal Revenue Service is reminding taxpayers that expenses related to nutrition, wellness, and general health are not likely to qualify as reimbursable medical expenses under Internal Revenue Code  section 213. In a news release and frequently asked questions,...

Tax and legal updates or any other information posted on the GTM Insurance Agency website and/or social media is not intended to be exhaustive, nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel for legal advice.

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