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

Stay Informed with Benafica

Expert insights on ICHRA, QSEHRA, Medicare, and the changing health benefits landscape.

What Individuals and Businesses Should Know About the 2026 ACA Changes
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What Individuals and Businesses Should Know About the 2026 ACA Changes

New federal legislation and administrative rules from CMS are poised to reshape the Affordable Care Act (ACA) in 2026. Here are some...

August 26, 20250 Comments
IRS Increases 2026 ACA ‘Affordability Rate’ for Employer-Sponsored Healthcare
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IRS Increases 2026 ACA ‘Affordability Rate’ for Employer-Sponsored Healthcare

Last month, the IRS announced the new ACA "affordability rule" for employer-sponsored healthcare, which limits how much employees at large employers can...

August 14, 20250 Comments
Will the ‘One Big Beautiful Bill’ Affect Your Medicare? Here’s What to Know
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Will the ‘One Big Beautiful Bill’ Affect Your Medicare? Here’s What to Know

Congress passed a large spending bill that makes big changes to Medicare and Medicaid over the next decade. New work requirements and...

August 7, 20250 Comments
Healthcare 101: 10 Insurance Benefit Terms You Should Know
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Healthcare 101: 10 Insurance Benefit Terms You Should Know

Premiums, deductibles, coinsurance — oh my. 😱 Choosing a healthcare plan is about finding the right balance between coverage and cost for...

July 10, 20250 Comments
What is a TPA? How Third-Party Administrators Keep Your Benefits Running Smoothly 😎
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What is a TPA? How Third-Party Administrators Keep Your Benefits Running Smoothly 😎

When it comes to choosing a Third-Party Administrator, there are a lot of boxes to check—technology, experience, reliability. Here's why Benafica is...

June 12, 20250 Comments
From Marriage to Moving: How Qualifying Life Events Affect Your Health Insurance
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From Marriage to Moving: How Qualifying Life Events Affect Your Health Insurance

Life happens, and when it does, your health insurance should be able to keep up. This blog breaks down the qualifying life...

May 20, 20250 Comments
Beyond Benefits: Why Mental Health Drives Employee Loyalty
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Beyond Benefits: Why Mental Health Drives Employee Loyalty

Today’s employees are seeking more than a standard benefits package. Mental health support, flexible healthcare options, and strong workplace culture are key...

May 8, 20250 Comments
ICHRA Challenges You Didn’t Expect: Why the Right Provider Matters
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ICHRA Challenges You Didn’t Expect: Why the Right Provider Matters

From market fragmentation to inconsistent payment systems, navigating ICHRA isn’t always seamless—here’s why choosing the right provider, like Benafica, matters.

April 10, 20250 Comments
Join Benafica’s Monthly Medicare and Health Insurance Webinars
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Join Benafica’s Monthly Medicare and Health Insurance Webinars

Make informed healthcare decisions! Benafica hosts free educational webinars every 2nd Wednesday of the month, including a Medicare informational webinar and Health...

April 8, 20250 Comments