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Know Your Insurance

How to Lower Personal Risk Perception for Insurance

Wednesday, May 21, 2025

The article attached explains how personal risk perception—how insurance carriers view your risk level—affects the premiums you pay for different types of insurance (home, auto, and life). It outlines practical strategies to help reduce your perceived risk and secure better insurance rates.

HSA and HDHP Limits for 2026

Tuesday, May 6, 2025

These changes reflect the IRS’s annual inflation adjustments for health savings accounts and high-deductible health plans.

Reports Reveals a Rise in Cargo Theft

Wednesday, April 9, 2025

The report highlights a significant rise in cargo theft incidents across North America, with 3,625 cases reported in 2024, amounting to nearly $455 million in losses. Key findings include:

  • A 27% increase in cargo theft, with California, Texas, and Illinois accounting for 46% of total thefts.

  • Warehouses, distribution centers, and truck stops are the most targeted locations.

  • Frequently stolen goods include construction materials, electronics, clothing, pharmaceuticals, and food/beverages.

  • The average loss per theft increased by 7.7%, exceeding $200,000.

Some State Insurance Laws May Conflict with HSA Eligibility Requirements

Friday, February 21, 2025

This document discusses how certain state insurance laws may conflict with federal Health Savings Account (HSA) eligibility requirements. Some states mandate that health insurers count third-party payments (e.g., drug manufacturer discounts, coupons, or vouchers) toward an enrollee’s out-of-pocket expenses. However, to maintain HSA eligibility, federal rules require that only actual expenses paid by the insured individual count toward the deductible.

Applicable Large Employer ACA Reporting Guide

Friday, January 31, 2025

If your business qualifies as an Applicable Large Employer (ALE)—meaning you have 50 or more full-time or full-time equivalent employees—you have specific reporting requirements under the Affordable Care Act (ACA). These reporting obligations ensure compliance with IRS Code Sections 6055 and 6056, which track employer-sponsored health coverage.

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