LLBI Benefits
Plain English Library

Insurance, without the jargon

A searchable library of every term, plan type, and acronym we use, explained the way we'd explain it to a friend.

What will live here

  • What is a deductible, coinsurance, out-of-pocket max
  • PPO vs HMO vs EPO — plain comparison
  • Level-funded vs fully insured vs self-funded
  • HSAs, FSAs, HRAs, and ICHRAs
  • What is a PBM (and why it matters more than you think)
  • ACA basics and small-employer reporting
  • How carrier renewals actually work
Section under construction — content coming soon.Talk to LBI now