How Do Employees Use an ICHRA to Buy Their Own Plan?
Employees use an ICHRA to pick their own health plan and get tax-free employer reimbursements. See how it works and your options.
Trek Insights
Stay informed with expert analysis, practical tips, and the latest trends in insurance and financial protection from the Trek Insurance Solutions team.
Legacy Thinking for Multi-Generational Wealth
Shift from personal retirement planning to legacy thinking that builds wealth lasting beyond your lifetime, with practical steps for multi-generational families.
Can a Small Business With Under 50 Employees Offer ICHRA?
Can a Small Business With Under 50 Employees Offer ICHRA?
Medicare Advantage Quality and Cost Debates: What Seniors Should Know in 2026
Medicare Advantage Quality and Cost Debates: What Seniors Should Know in 2026
How to Protect Your Budget When Inflation Hits a 3-Year High
US inflation hit 4.2% in May 2026 - the highest since 2023. Learn practical steps to protect your budget from rising energy and food costs.
How Much Does Health Insurance Cost for a Self-Employed Person?
Self-employed health insurance costs $400 to $800 per month in 2026, but subsidies and tax deductions can cut that significantly. Here is what to expect and how to save.
ICHRA for Seasonal Small Businesses — How Choice-Based Platforms Cut Costs
ICHRA lets seasonal employers set a fixed budget while employees choose their own individual health plans — scalable, predictable, and admin-light.
2026 Voluntary Benefits Playbook for Small Business — How Choice-Based Platforms Cut Costs
2026 Voluntary Benefits Playbook for Small Business — How Choice-Based Platforms Cut Costs
Do Self-Employed People Qualify for ACA Subsidies in 2026?
Self-employed people qualify for ACA subsidies in 2026, but the subsidy cliff is back. Learn how to estimate your income and find affordable coverage.
What Happened to the Enhanced ACA Subsidies in 2026
The ACA subsidy cliff returned in 2026. Learn who's affected by the expired enhanced credits and how to find affordable coverage.
ACA Subsidy Cliff Survival Guide — 5 Ways to Lower Your 2027 Health Insurance Costs
The enhanced ACA subsidies expired and premiums are climbing. Here are five practical strategies self-employed professionals can use to lower 2027 health insurance costs.
Living Benefits Riders on Term Life: What They Are and How They Work
Living benefits riders let you access part of your term life death benefit early if you face a chronic, critical, or terminal illness. Learn how they work, what they cost, and whether they make sense for you.
2026 Healthcare Cost Crisis: Employer Decision Funnel
2026 Healthcare Cost Crisis: Employer Decision Funnel — 5 cost-containment strategies that control costs without hurting retention.
Small Business Benefits That Compete With Big Corp
Small Business Benefits That Compete With Big Corp
Medicare Advantage vs. Medigap: Which Plan Is Right for You?
Medicare Advantage or Medigap? Compare costs, provider networks, prescription drug coverage, and travel flexibility to find the right Medicare path for your health and budget.
ICHRA Breakout Year: How Large Employers Are Redefining Health Benefits
Discover how Individual Coverage Health Reimbursement Arrangements (ICHRAs) are transforming health benefits, with large employers embracing this flexible solution and over a million Americans now covered.
ICHRA Surge 2026: The Small Business Opportunity for Employee Benefits
Discover how Individual Coverage Health Reimbursement Arrangements (ICHRA) is becoming the smart alternative for small businesses in Nebraska, Iowa, and beyond to offer flexible, affordable health benefits.
Disability Income Insurance for Self-Employed Professionals: The Coverage You Cannot Afford to Skip (Revised)
Self-employed in Nebraska or Iowa? Your income may be your biggest uninsured asset. Learn how disability income insurance protects freelancers and 1099 workers when an illness or injury keeps you from working.
Healthcare Bridge: Early Retirement to Medicare at 59-to-65
Early retirees often face a healthcare coverage gap between leaving work at 59½ and Medicare eligibility at 65. Learn about individual health and ACA options to bridge those years — and how retirement income planning fits in.
The ACA Subsidy Cliff Returns in 2026: What Self-Employed Nebraskans and Iowans Need to Know
Enhanced ACA premium subsidies expire at the end of 2025. If you're self-employed in Nebraska or Iowa, here's what the subsidy cliff could mean for your health insurance costs in 2026 — and how to prepare.
The Med Supp-First Rule: Why We Advise Starting Here
Medicare Supplement (Medigap) vs. Medicare Advantage at 65: how the one-time guaranteed-issue window, guaranteed-renewable protection, and long-term cost predictability shape the Med-Supp-first approach — and when Advantage might be the better first step.
Why More Employers Are Adding Critical Illness Insurance in 2026 (and What It Costs)
How critical illness insurance is emerging as a key voluntary benefit for employers in 2026 — what HR teams and brokers should know.
Why Cancer Insurance Is Essential: Protecting Your Financial Security Against Gaps In Traditional Health Plans
Your health insurance may not cover all cancer costs. Trek Insurance helps Nebraska residents find cancer insurance that fills the gaps.
What Insurance Covers Biohacking and Wearable Tech? (And Why It Matters in 2025)
From continuous glucose monitors to Oura Rings — what health insurance covers in the wearable tech and biohacking space, and what it means for your health in 2025.
From Medicare to Retirement: Your Life Stages, Covered with Trek's Simple Approach
How Trek Insurance Solutions helps Nebraska residents navigate every life stage — from turning 65 to managing Medicare costs in retirement.
ICHRA Vs Traditional Group Health Insurance: Which Is Better For Your Family?
Comparing ICHRA and traditional group health insurance: costs, flexibility, and which option better serves Nebraska families and employees.
Building a Secure Future: Why Life Insurance in Omaha Nebraska Matters for Omaha Families in 2025
Omaha families face unique considerations when choosing life insurance. Here is why protecting your family's future matters more than ever in 2025.
Navigating Home Care Insurance: Tips to Ensure You're Fully Covered
Understanding home care insurance and how to make sure you have the right coverage for in-home care services when you need them.
What Is IRMAA and Why Should You Have a Plan in Retirement
IRMAA surcharges can add hundreds to your monthly Medicare premiums. Learn how they work and why planning ahead protects your retirement income.
How Critical Illness Insurance Can Save Your Family from Financial Ruin
Critical illness insurance provides a lump sum cash benefit upon diagnosis of a serious illness. Here is how it protects Nebraska families from financial devastation.
The Benefits of Adding a Critical Illness Rider to Your Life Insurance
How a critical illness rider on your life insurance policy provides financial protection against serious illness while maintaining your life coverage.
Why ICHRA is the Flexible Employee Benefit Option Employers Need to Know About
How ICHRA gives Nebraska employers a flexible, cost-effective way to offer health benefits while giving employees choice in their coverage.
Medicare Advantage Shake-Up: 7 Steps to Protect Your Coverage When Plans Disappear
Medicare Advantage plans are changing across Nebraska. Follow these 7 steps to protect your coverage, avoid gaps, and find the right plan for your needs.
Everything You Need to Know About Home Care Insurance
A complete guide to home care insurance — what it covers, what it costs, and how to choose the right policy for your Nebraska family.
How Home Care Insurance Supports Independent Living
Home care insurance helps Nebraska seniors maintain independence and age in place with dignity. Here is how the right coverage supports independent living.
How To Maximize Your Dental Insurance Benefits: A Complete Guide
Get the most out of your dental insurance with this complete guide to maximizing benefits, timing procedures wisely, and saving money on dental care.