Top Defined Contribution Blog Post #5
Defined contribution health benefits have become a smarter way for employers to offer coverage without being blindsided by annual renewal hikes. Instead of a one-size-fits-all group plan that often satisfies very few, defined contribution plans flip the model. Employers work with their brokers to set a benefits budget and determine how much to contribute for each employee. Employees use those funds to purchase a health plan through the individual market. This is often done through an Individual Coverage Health Reimbursement Arrangement (ICHRA), making the benefit tax-free.
Why the change? Rising premiums, limited plan options, and the complexity of supporting remote, part-time, seasonal, and multi-state teams make traditional benefits harder to manage and harder for employees to love. Defined contribution health benefits offer a modern alternative: predictable costs for employers and real choice for employees.
In our original blog post, we discuss how defined contribution plans can extend beyond health coverage to support a broader benefits strategy, why payments and administration have historically been some of the biggest hurdles, and how Nexben helps solve them.
Whether you have clients looking to make a change in 2026 or planning for 2027, this post is a great starting point. Read the full blog post to see why defined contribution plans are transforming benefits.
Top Defined Contribution Blog Post #4
At the top of this list are three common reporting areas. First, employers must file IRS Form 720 and pay the PCORI fee by the required deadline. Second, some ICHRA plans may need to file Form 5500 to meet ERISA requirements. Third, employers may need to complete Affordable Care Act (ACA) coverage reporting using Forms 1094 and 1095. Deadlines are typically in late Q1 and can vary based on group size and filing method. The key takeaway is simple: reporting is much easier when the right data is available early.
Want a quick, practical checklist you can reference during every filing season? Read the full blog post for a clear breakdown of which requirements apply, the deadlines to track, and how Nexben helps keep clients audit-ready and on schedule all year long.
Top Defined Contribution Blog Post #3
Want the full breakdown of what is changing in 2026 and how to leverage these shifts with clients? Read the original blog post for the details, examples, and a clear view of where defined contribution is headed.
Top Defined Contribution Blog Post #2
ICHRAs are growing fast, but many brokers still hesitate to bring them to clients because of common misconceptions. In this post, Nexben shares five practical “truths” designed to provide clarity, so brokers can confidently position an ICHRA as a real solution when traditional group plans are no longer sustainable or desirable.
Want the full list of ICHRA talking points to use with clients? Read the original blog post for the five truths, real-world context, and how Nexben supports brokers with payments, reporting, and partner resources.
Top Defined Contribution Blog Post #1
Read the full blog post for a guide you can use in real client conversations, including clear definitions, affordability guardrails, and contribution examples, and see how Nexben supports every strategy on one platform.
Read More, Sell Smarter
If you are building your defined contribution playbook for 2026 renewals and beyond, start by reading these five defined contribution blog posts. Each one is designed to help you be more effective in client conversations, offering clear explanations, practical guidance, and relevant talking points. Click into the full articles, bookmark this list, and share it with your team so you have the right resource ready when a client asks, “What else can we do?”
About Nexben
Nexben makes defined contribution benefits easy by streamlining reimbursement, giving employees freedom of choice, expanding benefit options, and removing administrative burdens. With Nexben, brokers can provide more value, employers can offer competitive, personalized benefits, and employees can gain control over their coverage. It’s a smarter, simpler way to deliver employer-sponsored health benefits. Click the link below to connect with Nexben to transform your benefits strategy.