The MLR Trap
If you’ve spent any time in employee benefits, you know the Medical Loss Ratio. It’s that ACA rule that says insurers have to spend at least 80% (or 85% for...
ContactContactBenefits strategy is where cost control, recruiting, and employee trust all collide. These posts cover how employers structure plans, what actually moves the renewal number, and where traditional programs quietly leak money. Written for the people who own the budget and have to answer for it.
1,156 posts
If you’ve spent any time in employee benefits, you know the Medical Loss Ratio. It’s that ACA rule that says insurers have to spend at least 80% (or 85% for...
Direct Primary Care (DPC) is all the rage in benefits circles. Employers see it as a way to cut costs, boost satisfaction, and give employees the kind of...
Employers today face a persistent challenge: rising healthcare costs that outpace inflation and wage growth. The most effective cost containment strategies...
Let’s be honest: when that renewal proposal lands in your inbox, you probably brace yourself. You see a 9% trend, you call your broker, you benchmark...
Employer healthcare costs vary significantly between large and small companies, primarily due to differences in risk pooling, negotiating power, and...
The relationship between employer healthcare costs and employee retention is both direct and multifaceted. While rising healthcare expenses are often viewed...
If you were anywhere near benefits administration during the 2021 American Rescue Plan Act, you probably still have a few gray hairs to show for it. The...
If you’ve sat through an HR conference or skimmed a benefits trade journal lately, you already know the usual pitch: Reference-based pricing (RBP) can slash...
If you are an employer navigating the complexities of employee benefits, understanding the average cost of a family health insurance plan is crucial for...
Prescription drug costs are one of the fastest-growing and most significant components of employer healthcare spending, often accounting for 20% to 25% of...
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