Benefits Concierge Subscription Program:
Expert health coverage guidance for your HR team
without hiring a specialist
What’s Included:
Weekly Group
Q&A
Every Wednesday at noon CST via Google Meet. Submit questions in advance or ask live. Answers are shared across all subscribers. Your questions help every HR team on the list.
Join here: meet.google.com/mqd-strd-vmw
Monthly
Newsletter
Plain-language updates on health coverage changes, ACA news, open enrollment reminders, and tips your HR team can share directly with employees. No jargon. No guesswork.
Email Advisory
Support
Send specific benefits questions directly to Maggie@McGarrityLLC.com. Every question is answered within 2 business days. No question is too basic. That is exactly what this is for.
Document Library
Access
Password-protected resource library with plain-language guides, enrollment checklists, plan comparison tools, and HR reference documents. Built specifically for HR teams who manage benefits without a benefits specialist on staff.
Weekly Live Q&A
Email Response within 2 Business Days
Cancel Anytime
Documents Library
Weekly Live Q&A Email Response within 2 Business Days Cancel Anytime Documents Library
Why your HR team needs more than Google or ChatGPT.
Missing a COBRA notice costs up to $110 per day, per employee — and the clock starts the day they leave.
Your "under 50 employees" company might legally be an Applicable Large Employer once part-time hours are counted.
Choosing the cheapest plan often means your employees can't afford to use it — and they'll blame you when they can't.
Open enrollment silence isn't neutral. Employees who don't understand their options make expensive mistakes for everyone.
STARTER 1–10 Employees
Rate: $89/month or $890/year (save 2 months)
✓ Monthly newsletter
✓ Weekly Wednesday Q&A 1pm ET/ 12pm CT
✓ Email support within 2 business days
✓ Full document library access
✓ Subscription fee waived if McGarrity & Associates
becomes your licensed advisor
SMALL ⭐ Most Popular 11–50 Employees
Rate: $149/month or $1490/year (save 2 months)
✓ Monthly newsletter
✓ Weekly Wednesday Q&A 1pm ET/ 12pm CT
✓ Email support within 2 business days
✓ Full document library access
✓ Subscription fee waived if McGarrity & Associates
becomes your licensed advisor
MID-SIZE 51–125 Employees
Rate: $249/month or $2490/year (save 2 months)
✓ Monthly newsletter
✓ Weekly Wednesday Q&A 1pm ET/ 12pm CT
✓ Email support within 2 business days
✓ Full document library access
✓ Subscription fee waived if McGarrity & Associates
becomes your licensed advisor
More than 125 employees? Let's talk first. Email Maggie@McGarrityLLC.com or call (507) 407-4034 for a complimentary consultation.
The Person You're Actually Talking To
McGarrity Harney, MBA
Licensed Health Coverage Advisor
McGarrity Harney, MBA is a licensed health coverage advisor operating in 33 states. She founded McGarrity & Associates to do one thing: make health coverage make sense. For individuals, families, and the HR teams responsible for explaining it to everyone else.
She's the author of The Complete Health Insurance Solution and The Health Insurance Workbook, both available on Amazon. She hosts the Insured AF channel on YouTube and Instagram, where accurate and factual coverage guidance reaches a growing audience of individuals, small business owners, and HR managers.
McGarrity is a wife, mother, traveler, writer, dog mom, and more.
She built this subscription because the question she hears most often — from HR managers, business owners, and employees alike — is "why didn't anyone explain this to me?"
Now someone will.
Frequently Asked Questions
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Subscriptions go live July 1, 2026. Founding members who sign up before June 30 are locked in at the lower rate permanently.
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Every Wednesday at noon CST via Google Meet. You can submit questions in advance or ask live. Questions are answered for the group — so every subscriber benefits from every question asked. Sessions are not one-on-one consultations.
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Notes and key takeaways will be shared with subscribers after each session.
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No — these are two separate things. The subscription is an educational and advisory resource. If you choose to purchase coverage through McGarrity & Associates, the subscription fee is waived. You can be a subscriber without ever becoming an agent client, and vice versa.
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You can cancel anytime with 30 days written notice. If you're a founding member and cancel, your founding rate is permanently lost. Reactivation is at the then-current rate.
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No. The subscription provides general educational and informational guidance. It does not constitute insurance advice, legal advice, or establish an agent relationship. Always consult a licensed professional for decisions specific to your situation.
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It's based on your total employee count including part-time staff. Not sure? Email Maggie@McGarrityLLC.com before signing up and she'll help you figure it out.
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Reach out directly at Maggie@McGarrityLLC.com or call (507) 407-4034. Larger organizations have more complex needs and McGarrity wants to make sure she can serve you well before you commit.