Collaboration Corner
A Message from the President
As we begin 2026, I want to take a moment to reflect on what made 2025 such a meaningful year for InterLutions. We experienced strong growth, welcomed new clients and partners, launched new solutions, and most importantly, supported credit unions through one of the most challenging renewal environments our industry has seen. I am incredibly proud of our team for renewing one hundred percent of our I-Care clients in the fourth quarter, a time when many employers were facing significant pressure and uncertainty. Our team stepped up, stayed focused, and delivered thoughtful guidance that helped credit unions move forward with confidence.
We also invested heavily in our people, our processes, and our partnerships. From leadership development and professional certifications to new automation and expanded health network access, every improvement was made with one goal in mind: delivering a better experience for our clients. The momentum we built in 2025 gives us a strong foundation as we look ahead.
In 2026, we are energized by what comes next. We are expanding our wellness programs, exploring new pooled benefit solutions, and continuing to collaborate with partners to bring innovative and accessible options to credit unions of all sizes. Our focus remains on helping credit unions care for their employees through smarter benefits, stronger support, and forward-thinking solutions. Thank you for being part of our journey. I look forward to another year of progress and partnership.
Jesse Kohl
President of InterLutions
Resources and Updates
Helping you support, educate, and protect your greatest asset – your people.
5 Common Misconceptions About Self-Funded Plans
This article explains how self-funded health plans work and clears up frequent misunderstandings that keep employers from exploring this option. It highlights the potential for flexibility, transparency, and cost control when paired with stop loss coverage and support from experienced TPAs. Read More
Eating Real Food
The 2025 to 2030 Dietary Guidelines for Americans introduce a major shift toward whole, nutrient dense foods and stronger limits on added sugars and ultra processed options. The update emphasizes real food, higher protein intake, and full fat dairy, offering a clearer roadmap for building healthier eating habits. Access the Article
February 2026 HR Brief
Employers should prepare for upcoming ACA reporting requirements, including electronic IRS filings by March 31 and clear online notices for individuals by March 2. The update outlines which employers are subject to Sections 6055 and 6056, key deadlines, and available extensions for filing. Get the Details
How to Cope with the Winter Blues
Winter often brings lower energy and mood changes, but simple self-care habits can make a meaningful difference. This article encourages practices like getting outside, increasing natural light, staying active, and nourishing your body with healthy foods, along with seeking professional support if symptoms persist. Explore Tips
Recipe: Baked Cauliflower Tots
A warm recipe can make eating healthier feel more approachable, especially during the winter months. These baked cauliflower tots offer a lighter twist on a familiar comfort food while still delivering plenty of flavor. Get the Recipe
What Credit Unions are Saying About I-Care
See what our newest clients are saying.
"My experience with InterLutions has been very positive. Clear communication and friendly staff made converting our insurance coverage seamless. Any time I reach out to InterLutions with questions, the response time is quick and helpful. I have been very pleased with InterLutions."
– Randi Kerr, VP Operations, SEI Federal Credit Union
“Our experience with InterLutions has been fantastic! FMCU has automated our annual open enrollment process and provided better benefits for everyone at our credit union with the help of InterLutions.”
– Mike Borawski, VP of Accounting, First Missouri Credit Union
"Interlutions helped us find the best insurance options for our staff knowing our specific credit union's needs. I felt like we definitely received one-on-one service."
– Colleen Woggon, CEO, Oakdale Credit Union
Can't Miss Industry Events
InterLutions is ready to hit the road and join our partners at these standout industry events.
These gatherings are more than just conferences, they are where ideas spark, connections grow, and the future of credit unions takes shape
March 1 – 5 | Governmental Affairs Conference 2026 | Washington, D.C.
Capitol Hill comes alive for the credit union movement, and this is your front-row seat. The Governmental Affairs Conference is the nation’s largest advocacy event, giving you the chance to engage directly with lawmakers, influence policy, and amplify your impact. Connect with leaders across the industry and return with ideas and relationships that can shape your credit union’s future.March 11 | Simplify Your Employee Benefits Approach | Complimentary Webinar
Rising healthcare costs continue to put pressure on credit unions to deliver competitive employee benefits without overextending budgets. This webinar explores practical strategies for simplifying benefits administration, engaging employees, and taking a more proactive approach to managing renewal costs using collaborative health plans, HR technology, and wellness solutions.April 27 – 30 | HR and Organizational Development Council Conference 2026 | Newport Beach, VA
InterLutions is proud to sponsor, exhibit, and attend America’s Credit Unions’ HR and Organizational Development Council Conference. We look forward to connecting with credit union leaders and discussing how collaborative solutions can support your people strategy.
The Benefits Buzz
Industry news and articles making the rounds.
It’s time to get more intentional about employee healthcare.
Enhancing healthcare benefits while lowering costs is possible when employers steer to high‑value care and rethink plan design. InterLutions makes it achievable with I‑Care, giving credit unions the tools to lower expenses and strengthen their employee benefits. Read the Article
Rising costs turn financial strain into a way of life for workers.
Financial strain is no longer a short-term challenge for many American workers but a lasting condition that is reshaping how people spend, save and think about their benefits. Read the Article
As health costs rise, Americans put more money into HSAs.
With premiums climbing and out‑of‑pocket costs at historic highs, more Americans are turning to HSAs, and employers who contribute even modest amounts are seeing participation rise dramatically as employees look for ways to stretch their healthcare dollars. Read the Article
Partner Spotlight
Thank you, WESTconsin Credit Union.
Your Credit Union Can Become an I-Care Ambassador
Help local businesses access better, more affordable health plans.
Local businesses are struggling with rising insurance costs and limited coverage. Your credit union can be the solution.
By partnering with InterLutions and the I-Care Health Plan, you can help business members access smarter, more affordable benefits. Together, you can find plans that balance cost and coverage, helping businesses save money while giving employees better care, lower copays, and wider network access.
Why join as an I-Care Ambassador?
- Ready-to-use marketing materials and digital content
- Turnkey launch strategies
- Ongoing market updates
- Full training and support
Give your business members the benefits they need to attract and retain top talent, while strengthening your community.
Support your members. Make an impact. Get started with I-Care today.
Collaboration Corner
Thank you to our valuable partners. We couldn’t do it without you!
Get to Know Your CUSO Team
Meet Amy Pals, Client Services Manager.
Join us in welcoming Amy Pals to the team. Amy brings a strong background in client support and operational coordination, with a focus on delivering thoughtful, people-centered service. At InterLutions, she supports collaborative solutions that help credit unions operate more effectively while keeping member and employee needs at the forefront. We are excited to introduce Amy and share more about her in the Q and A below.
What is your favorite hobby, activity, or creative outlet?
I enjoy outdoor activities like trail running, hiking, golfing, gardening, and even snowshoeing. I especially love warm weather and taking in sunrises and sunsets.
Are you an early bird or a night owl?
Early mornings are my favorite. I start my day with coffee and a walk with my dog (Windsor), which helps set a positive tone for the rest of the day.
What are you most passionate about outside of your work?
I’m deeply passionate about my volunteer work with Valley Friendship Club (VFC), a Special Olympics chapter in our community. I’m involved in their cooking classes, yoga sessions, and American Sign Language classes, and it’s one of the most rewarding parts of my week.
What is a fun fact about you that may surprise others?
A fun fact about me: I’ve completed half marathons in four national parks—Grand Tetons, Yellowstone, Glacier, and the Rocky Mountains—and even finished a full marathon along the way.
What is the best piece of advice someone has given you?
The best advice I’ve received is to lead with compassion. When you approach people with patience and genuine care, you create space for trust, understanding, and stronger relationships.
Do you have a favorite quote or motto you live by?
“Believe you can and you’re halfway there” – Theodore Roosevelt
“The key is not to prioritize what’s on your schedule, but to schedule your priorities” – Stephn R. Covey
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