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  <!-- Core Pages -->
  <url>
    <loc>https://www.medhealthagency.com/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <lastmod>2025-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.medhealthagency.com/business-healthcare</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <lastmod>2025-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.medhealthagency.com/supplemental-benefits</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <lastmod>2025-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.medhealthagency.com/how-to-save</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2025-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.medhealthagency.com/resources</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
    <lastmod>2025-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.medhealthagency.com/articles</loc>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
    <lastmod>2025-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.medhealthagency.com/contact</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
    <lastmod>2025-04-11</lastmod>
  </url>

  <!-- Articles — Original 6 -->
  <url>
    <loc>https://www.medhealthagency.com/articles/hmo-vs-ppo</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <lastmod>2025-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.medhealthagency.com/articles/voluntary-benefits-guide</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <lastmod>2025-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.medhealthagency.com/articles/massachusetts-business-health-savings</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <lastmod>2025-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.medhealthagency.com/articles/understanding-health-insurance-deductibles</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <lastmod>2025-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.medhealthagency.com/articles/group-health-insurance-small-business-guide</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <lastmod>2025-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.medhealthagency.com/articles/open-enrollment-guide</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <lastmod>2025-04-11</lastmod>
  </url>

  <!-- Articles — New 6 (Pillar 2: Daily Content Architecture) -->
  <url>
    <loc>https://www.medhealthagency.com/articles/section-125-cafeteria-plan-guide</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <lastmod>2025-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.medhealthagency.com/articles/dental-vision-insurance-employer-guide</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <lastmod>2025-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.medhealthagency.com/articles/disability-insurance-employer-guide</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <lastmod>2025-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.medhealthagency.com/articles/health-insurance-new-employees</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <lastmod>2025-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.medhealthagency.com/articles/aca-compliance-massachusetts-employers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <lastmod>2025-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.medhealthagency.com/articles/small-business-benefits-attract-retain-talent</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <lastmod>2025-04-11</lastmod>
  </url>

  <!-- FTE Calculator Tool -->
  <url>
    <loc>https://www.medhealthagency.com/fte-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <lastmod>2025-04-12</lastmod>
  </url>

  <!-- Articles — New 3 (ACA Compliance + Benefits Navigation) -->
  <url>
    <loc>https://www.medhealthagency.com/articles/aca-employer-mandate-50-employee-rule</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2025-04-12</lastmod>
  </url>
  <url>
    <loc>https://www.medhealthagency.com/articles/what-makes-a-health-plan-affordable-minimum-value</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2025-04-12</lastmod>
  </url>
  <url>
    <loc>https://www.medhealthagency.com/articles/employee-benefits-navigation-guide-massachusetts</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <lastmod>2025-04-12</lastmod>
  </url>

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