Our UNIQ Blog

Welcome to our blog! We will try and keep you up-to-date on news and regulations happening in the benefits world and share insights we think you can use and apply to your business. Subscribe below to stay abreast on things happening at UNIQ!

Benefits and Me

Published on: 02/03/2026

The Affordable Care Act (ACA) created a federally financed subsidy, known as the premium tax credit (PTC), to help eligible individuals and families with low to moderate incomes afford health insurance purchased through an Exchange. During the COVID-19 pandemic, Congress temporarily enhanced the PTC by eliminating the income cap for eligibility and increasing the subsidy amount for all income brackets. According to a Congressional Research Service report, the number of Exchange enrollees receiving subsidized coverage rose from 9.2 million in 2020 (before the PTC enhancements) to 19.3 million in 2024.

Marketplace Circle of Champions

Published on: 02/03/2026

March, 2023 Mt Pleasant, SC — Nick Boeschen, President of UNIQ Benefit Solutions, has been recognized by the Health Insurance Marketplace® as a member of the 2023 Marketplace Circle of Champions for helping consumers gain qualified health coverage. This Centers for Medicare & Medicaid Services (CMS) award highlights Nick Boeschen’s success in actively enrolling 20 or more consumers during this Open Enrollment Period and demonstrates his expertise and experience in helping consumers find health coverage; click HERE for a customized quote.

Human Resources Technology and AI

Published on: 02/03/2026

I work and speak with many HR departments and it seems there is not enough time in the day to accomplish everything they are tasked with. Human resources technology systems empower your team to actively and efficiently manage your operations. HR is involved in many aspects of a company’s operations and policies, from recruiting new talent and building company culture to managing employee benefit plans and compensation. If you are not using technology to streamline HR functions contact us to explore your options.

Judge Deals Blow to Preventative Care Coverage under ACA

Published on: 02/03/2026

A recent decision by a federal judge in Texas to issue an injunction on a pivotal part of the Affordable Care Act requiring insurers to offer certain types of free preventative care, has raised concerns that some health plans will stop paying for these services. However, since most employer-sponsored plans are on annual contracts, the decision is unlikely to affect policies in 2023, but beyond that, it’s uncertain how things will play out.

Insurers Make Changes to Prior Approvals Ahead of Rulemaking

Published on: 02/03/2026

After the Centers for Medicare and Medicaid Services proposed new rules aimed at streamlining the prior approval process for most health plans in the U.S., a number of the country’s largest insurers announced their own steps to improve the process. UnitedHealthcare announced in late March that it would cut the use of prior authorizations by 20% for some non-urgent surgeries and procedures.

Making Your Voluntary Benefits Program a Success

Published on: 02/03/2026

Both employers and employees have much to gain from a solid voluntary benefits program. For employees, being able to enroll in an insurance product through a workplace voluntary benefits program offers them the advantage of group pricing, the convenience of paying through payroll deduction, and perhaps access to insurance that would be difficult to get on an individual basis.

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