CHOICE Arrangements
ICHRA is now CHOICE: what Tri-Cities employers need to know
CMS and the SBA renamed the ICHRA the CHOICE Arrangement in September 2026. What changed, what did not, and how to tell if it fits your business.
Read More »Employee Benefits
What an independent agent actually does at renewal time
Renewal season is when an independent agency earns its keep. Here is what happens behind the scenes for a Tri-Cities employer between the renewal letter and the new plan year.
Read More »Life Insurance
Term vs. permanent life insurance for young families in Northeast Tennessee
A plain-language look at the two kinds of life insurance, who each one fits, and how young Tri-Cities families usually decide.
Read More »Medicare
Turning 65 in Johnson City: a Medicare timeline
The months before and after your 65th birthday, laid out in order, so you know what to do and when. General education, no plan specifics.
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