ContactInsights on preventive care, employee benefits, and the Health-to-Wealth™ revolution.
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Healthcare costs are not high by accident. They are high by design. One of the clearest places to see that design at work is in the price gap between...
The idea behind a health savings account sounds sharp. Put money in before taxes, watch it grow tax-free, spend it tax-free on medical expenses down the...
Switching from a fully insured health plan to a level-funded arrangement changes an employer’s healthcare costs in three fundamental ways. You trade a...
Manufacturing has always carried two cost sheets for healthcare: one shaped by collective bargaining and one shaped by the open market. The differences are...
Chronic conditions drive the largest share of employer healthcare spending. The CDC reports that 6 in 10 U.S. adults live with at least one chronic disease,...
An employee at a mid-size manufacturing firm needs a routine hernia repair. She checks her insurance network, finds an in-network surgeon and hospital, and...
Your broker hands you the year-end stop-loss report. Paid claims land well below the attachment point. The numbers say you are due a refund. Five months...
The cost gap between covering full-time and part-time workers is not a numbers game. Federal regulation sets the floor, but the real expense is shaped by...
Your total compensation spreadsheet tells a tidy story. Salary, payroll taxes, 401(k) match, health plan premium. Neat columns. If you’re a CFO staring at...
A 2019 Health Affairs study of national commercial ACO contracts found no significant reduction in total medical spending over two years. A 2022 analysis of...
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