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....
When our daughter started saving for her first car, she figured she needed $5,000. To a teenager, that feels impossible. But she started small, putting away what she could, little by little. Over time, those savings are adding up — and what once seemed overwhelming...
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...
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%...
