Craig Sawyer Craig Sawyer

Year-End Checklist: 15 Smart To-Dos Before New Year’s Eve

Wrap up the year like a pro with our 15-point checklist—From locking in your 2026 health plan and maximizing HSA/FSA dollars to confirming in-network doctors, refilling prescriptions, updating beneficiaries, and booking any last preventive care before deductibles reset. We’ll help you sort documents, review life insurance needs, and set smart payroll elections for January. One focused hour now = less stress, fewer surprises, and a healthier start to the new year.

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Craig Sawyer Craig Sawyer

The Top Health Concerns for Middle-Income Families in 2026 and How to Prepare

Middle-income families face real pressure heading into 2026—rising premiums and deductibles, pricey prescriptions, tough-to-reach providers, and a hidden dental gap for adults. This guide breaks down the biggest concerns and shows simple steps to stay protected: compare plans beyond price, confirm meds and doctors, add dental wisely, and consider supplemental benefits for hospital or accidents.

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Craig Sawyer Craig Sawyer

Private Health Insurance for Small Employers (<50): The Biggest Wins You Can Unlock

Small employers can offer big-company benefits with private health insurance. Bundle medical with dental coverage plans, vision, life, and accident for a complete package that helps recruiting and retention. You’ll keep compliance on track, cap worst-case costs, and give families real value—without blowing the budget on one-size-fits-all coverage.

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Craig Sawyer Craig Sawyer

Who’s Re-Shopping Their Health Insurance in 2025—and What You Should Know

Looking to replace your plan this Open Enrollment? You’re not alone. This quick guide explains who typically switches—and how to compare options by doctors, prescriptions, networks, and total yearly costs (not just premiums). We break down the health insurance marketplace vs. private plans, when COBRA makes sense, and smart add-ons like dental and supplemental coverage. Ready for side-by-side health plan quotes and affordable health coverage that actually fits your life? Start here and choose with confidence.

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Craig Sawyer Craig Sawyer

21 Smart Questions to Ask Your Health Insurance Broker This Year

Cut through the confusion and shop smarter this year. This guide gives you 21 must-ask questions for your health insurance broker—so you can compare real yearly costs (not just premiums), networks, prescriptions, HSA-eligible options, and the health insurance marketplace vs. private plans. We’ll also cover dental and supplemental add-ons, COBRA alternatives, and renewal outlooks to help you choose the most affordable plan for your needs.

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Craig Sawyer Craig Sawyer

Why Life Insurance Matters When Others Rely on You

When people rely on your income—or your time—life insurance becomes essential, not optional. This guide breaks down what coverage looks like for small business owners, household breadwinners, and primary caregivers: how much to buy, which policy types fit common goals, and smart ways to pair protection with your health and dental choices.

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Craig Sawyer Craig Sawyer

The Smart Case for Bundling Health, Life, Dental & Vision

Bundling your coverage—health insurance, life insurance, dental, and vision—creates a simple, affordable plan that protects both your budget and your family. Instead of juggling separate policies, you get coordinated benefits, fewer gaps, and clear side-by-side quotes. One strategy, one renewal, smarter coverage.

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Craig Sawyer Craig Sawyer

Why Health Insurance Still Hurts the Middle Class in 2025

Discover the top 3 health insurance concerns facing middle-class families in 2025, including rising costs, underinsurance, and medical debt. Learn how today’s coverage gaps affect real households and what you can do to find affordable, protective health insurance that actually works for your family.

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Craig Sawyer Craig Sawyer

The Hidden Power of Health Benefits:

Employees are leaving jobs faster than ever, not just for higher pay, but for a deeper reason—emotional security. One of the most overlooked yet powerful tools in building that emotional bond between a business and its people is health benefits.

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Craig Sawyer Craig Sawyer

Life Changes Require Health Choices: Know Your Benefit Options

Life is full of changes, both joyful and challenging. These changes often impact more than just your day-to-day routine—they can significantly affect your financial security, health coverage, and overall peace of mind. Having the right health and life insurance plans in place ensures you and your loved ones are protected, no matter what life throws your way.

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