What is the impact of spousal surcharges on employer healthcare costs?
Spousal surcharges are monthly fees that employers add to an employee's premium contribution when a covered spouse has access to other employer-sponsored...
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Spousal surcharges are monthly fees that employers add to an employee's premium contribution when a covered spouse has access to other employer-sponsored...
A hospital sends a $6,200 bill for a knee MRI. Your reference-based pricing (RBP) vendor reprices it to $1,900. The vendor reports a 69 percent savings....
A renewal lands on your desk. It has a rate, a percentage increase, and a summary of last year's claims. The number reads like an invoice. It is a...
Companies with on-site clinics usually spend more on fixed primary care operations and less on variable downstream care than companies without them. The...
The answer starts with a simple fact: age is the single largest claims-cost driver in a commercial health plan. KFF's 2024 Employer Health Benefits Survey...
Most employers treat health reimbursement arrangement integration as a paperwork project. Draft the documents. Pick the HRA type. Connect the feeds. The...
The premium increase sitting in front of you is an actuarial output built from paid claims that are months old, trend factors the carrier selected, and a...
A full-time worker earning the federal minimum wage of $7.25 an hour makes $15,080 a year before taxes, and the 2025 ACA affordability standard lets an...
Copay accumulator programs reduce employer pharmacy spending in the short term. They do this by refusing to count manufacturer copay assistance toward an...
Every employer wants lower claims. The medical loss ratio does not reward a carrier for delivering them. The medical loss ratio (MLR) rule requires a large...
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