Benafica is a health benefits and insurance company that helps employers offer flexible, tax-free health reimbursement plans instead of traditional group health insurance.

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6701 Upper Afton Rd. Ste. 200, St. Paul, MN 55125

US Healthcare

IRS Raises 2027 ACA Affordability Rate
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IRS Raises 2027 ACA Affordability Rate

The IRS has raised the ACA affordability rate for 2027 to 10.22% of household income, up from 9.96% and above 10% for...

August 21, 20260 Comments
How to Design ICHRA Classes: Real-World Examples and Guardrails
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How to Design ICHRA Classes: Real-World Examples and Guardrails

One of the biggest advantages ICHRA has over group health plans is the ability to use employee classes. Instead of offering the...

July 31, 20260 Comments
Direct Primary Care and Your Benefits Stack: What Employers Need to Know
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Direct Primary Care and Your Benefits Stack: What Employers Need to Know

Direct primary care (DPC) pairs with ICHRAs, HRAs, and group plans to lower costs and boost employee access to care. See how...

July 16, 20260 Comments
How ICHRA and QSEHRA Work with Premium Tax Credits
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How ICHRA and QSEHRA Work with Premium Tax Credits

What happens to an employee's premium tax credit eligibility when they get offered ICHRA or QSEHRA dollars? Learn more about how each...

July 13, 20260 Comments
Connecticut Passes ICHRA Tax Credits. Here’s What Other States Are Doing
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Connecticut Passes ICHRA Tax Credits. Here’s What Other States Are Doing

As federal efforts to codify ICHRA stalled in Congress, several states have begun pursuing their own solutions. Connecticut has become the latest...

June 19, 20260 Comments
Creating a Workplace Culture That Actually Supports Mental Health
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Creating a Workplace Culture That Actually Supports Mental Health

This post breaks down what really supports mental health at work: a healthy culture, PTO people can actually use, leaders who care...

May 21, 20260 Comments
Yes, You Can Start an ICHRA Mid-Year. Here’s How.
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Yes, You Can Start an ICHRA Mid-Year. Here’s How.

Wondering if you can start an ICHRA mid-year? You can. Learn how notice periods work, how a special enrollment period is triggered,...

March 26, 20260 Comments
ACA Update: How Enrollment Fared for 2026
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ACA Update: How Enrollment Fared for 2026

CMS’s latest data shows 2026 ACA enrollment declines were far more modest than experts predicted after enhanced premium tax credits expired. While...

February 18, 20260 Comments
ICHRA and End-of-Year Tax Compliance [CHECKLIST]
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ICHRA and End-of-Year Tax Compliance [CHECKLIST]

Tax season is when ICHRA compliance gets tested. Use our benefit compliance checklist to stay organized, meet key filing requirements, and keep...

February 12, 20260 Comments