Most employers think renewal is when decisions get made. In reality, by the time you’re reviewing renewal options, there’s very little you can do to meaningfully change the outcome. Simply changing carriers at that stage is rarely strategic, and often not efficient....
Employee benefits have a huge impact on an employer’s ability to attract and retain top talent. National surveys by SHRM, MetLife and Gallup consistently show that after pay, benefits are the No. 2 reason employees join or remain with an employer—which is why the...
The One Big Beautiful Bill Act (OBBB) brings a pivotal change to Health Savings Account (HSA) eligibility and creates a new opportunity for employers to enhance the value of High Deductible Health Plans (HDHPs). Section 71038 removes a long-standing barrier that...
What HR and Employers Must Know About Fiduciary Responsibility in Self-Funded Health Plans After years of managing health plans from the HR side, I wish I had known then what I know now. There were things I simply didn’t realize that could have made a real difference...
We’re thrilled to share insights (highlights) from our inaugural employer event, designed specifically to educate forward-thinking businesses on creating independent self-funded health plans. This event marked a significant step in empowering employers to take control...
Exploring cost management in self-funded health plans isn't complete without considering Direct Primary Care. To truly appreciate what sets Direct Primary Care apart, we must first understand the more common fee-for-service model. In the traditional model, nearly 70%...
As this series dives into the many layers of healthcare costs, you will quickly find that prescriptions are a significant driver of overall plan spend. According to The Business Group on Health’s recent survey, 24% of the median percentage of employer’s...
Starting out in the benefits world, everything I knew about self-funding came from my broker. Looking back, I realize there was a gap—I was getting the playbook but not the insights needed to manage costs effectively. Honestly, I didn’t even know which questions to...
Every new year brings a fresh sense of hope and opportunity. As we move into 2024, our fifth year of helping businesses do benefits differently, I am especially excited about what the future holds. My journey into the world of employee benefits, from an HR Director to...
