Level-Funded Health Insurance, Explained: How It Works and When It Makes Sense
How level-funded health insurance works for Florida small groups — the surplus refund, the renewal risk, and who it fits, from a broker.
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ThirdWave Current
Insight for What’s Moving Now.
Healthcare continues to evolve. Regulations shift. Costs fluctuate. Expectations grow.
ThirdWave Current exists to help you stay informed without feeling overwhelmed. We translate industry updates, compliance changes, and strategic considerations into clear guidance you can apply to your business.
You don’t need more noise. You need perspective.
Built for Business Owners Who Lead with Intention
If you care about your people and want to build benefits thoughtfully, you’ll find steady, informed guidance here, delivered without jargon, without urgency tactics, and always with clarity.
What You’ll Find Here
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Insights
Clear explanations of what’s changing and what it means for you.
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Guides
Step-by-step direction for benefits planning, compliance basics, and Medicare transitions.
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Stories
Real examples of advocacy, problem-solving, and partnership in action.
The Current
Explore the Latest Articles
What Is an ICHRA? The Individual Coverage HRA, Explained for Florida Employers
An ICHRA lets a Florida employer fund tax-free dollars employees use to buy their own health plan. How an ICHRA works, and when it beats group coverage.
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A Guide to Group Health Insurance Renewals for Florida Employers: 90-Day Timeline & Checklist
A Florida small employer (1–50 employees) should start the group health insurance renewal process about 90 days before the plan's effective date — larger groups should start earlier.
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Your Medicare Guide for Brevard County in 2026
What every Brevard resident should know before choosing a Medicare plan — costs, coverage, deadlines, and how to pick a plan that actually fits.
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Navigating the Medicare Maze: Why Education-First Guidance is Our North Star
At ThirdWave, we lead Medicare with education first — plain-language guidance from a local advisor who knows the Space Coast, not a national call center.
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More Than a Policy: Building a Benefits Ecosystem That Strengthens Your Culture
Insurance has felt like a necessary evil for too long. Your strategy should do more than check a box — it should strengthen the culture you’re building.
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From Harbor Financial Group to ThirdWave Benefits: Why the Name Had to Catch Up to the Mission
Thirty years ago, I started with little more than a phone book and a conviction. Our name is finally catching up to our mission — here’s what that means.
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