The IRS decision to lower employer shared responsibility penalties in 2025 is a rare move. However, it comes alongside increased penalties for missed reporting deadlines. Take this opportunity to optimize your benefits strategy and make sure you are avoiding the penalties altogether.

While the employee benefits industry can seem overwhelming and complicated, it doesn’t have to be. This guide explores the different types of employee benefits, what’s required of you as an employer, why benefits are financially possible, and how to get started.

If you are a small business owner thinking about offering benefits or expanding your current benefits package, you may worry about preventing employees from being eligible for subsidies if they decide to purchase Marketplace coverage.

Evaluate the ACA’s minimum value standards, potential penalties for non-compliance, and why businesses should consider offering minimum value plans (MVPs).