The Admin Fee Is a Distraction
Every year the spreadsheet shows up. You scan the PEPM column, brace for the usual back-and-forth, and get ready to grind out a dollar or two in savings....
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Every year the spreadsheet shows up. You scan the PEPM column, brace for the usual back-and-forth, and get ready to grind out a dollar or two in savings....
Every year, without fail, your benefits broker shows up with that glossy deck full of bar charts and reassuring percentiles. Your deductible? Sitting pretty...
Everyone loves the idea of a narrow network plan on paper. Lower premiums, tight cost controls, a curated list of high-quality providers. It feels like the...
I’ve lost count of how many benefits conferences I’ve sat through where someone stands up and brags, “Our wellness program hit 72% participation this year.”...
Hospital consolidation-the wave of mergers, acquisitions, and health system affiliations-has quietly become one of the most powerful forces inflating...
The Affordable Care Act’s employer mandate, formally known as the “employer shared responsibility” provisions (IRC §4980H), fundamentally reshaped how...
At first glance, many employers assume that healthcare costs in rural areas are naturally lower due to a reduced cost of living and less intensive medical...
For employers weighing their group health insurance options, the cost comparison between level-funded and fully insured plans often becomes the deciding...
I've sat through dozens of reference-based pricing pitches, and they all sound the same after a while. Medicare multiples, stop-loss triggers, provider...
Meet Maria. She has Type 2 diabetes, hypertension, and works in logistics. Over the past month, she’s received a glossy welcome kit from a disease...
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