Captive Stop-Loss and the Data Trap That Catches Everyone
Let me tell you a story about a well-meaning employer who thought captive stop-loss would be their financial salvation. The pitch was perfect: form a...
Financial Wellness
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Let me tell you a story about a well-meaning employer who thought captive stop-loss would be their financial salvation. The pitch was perfect: form a...
Employee engagement in health management is one of the most powerful levers employers have to control healthcare costs. When employees actively participate...
The impact of wearable health devices on employer healthcare costs is a complex and evolving topic, but early evidence suggests a moderately positive,...
Every benefits textbook tells you the same thing: fund a Health Reimbursement Arrangement, and the contributions are 100% tax-deductible. Full stop. End of...
For years, I’ve sat in boardrooms where the conversation about population health ROI follows the same script. Someone pulls up a spreadsheet. They show A1C...
You’ve seen the presentation. The vendor stands at the front of the room and slides a chart across the screen: 3:1 ROI . The CFO smiles. The HR director...
The short answer is: potentially significantly, but with important caveats. Employee wellness incentive programs, when designed and implemented...
Health savings accounts (HSAs) are a powerful tool for managing employer healthcare costs, but their impact is nuanced. At first glance, HSAs appear to...
If you’ve been in benefits for more than a year, you’ve heard the phrase “cost containment” tossed around like it’s the answer to everything. Network...
Let's be honest: most conversations about deductibles are boring. We talk about dollar amounts, risk thresholds, and whether to go HDHP or PPO. But if...
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