The Discount Rate Mirage
I sat in a client’s quarterly review not long ago, watching their broker point to a slide that read “58% average network discount-well above benchmark.”...
ContactContactHigh-Deductible Plans
425 posts
I sat in a client’s quarterly review not long ago, watching their broker point to a slide that read “58% average network discount-well above benchmark.”...
Walk into any benefits conference and you'll hear the same chorus: deductibles are a necessary evil. They nudge people toward smarter care, keep premiums in...
I’ve sat through enough benefits conferences to know the script by heart. Someone puts a slide on the screen showing that fewer than a quarter of employees...
Employer healthcare costs are one of the most significant and fastest-growing line items in any benefits budget, often consuming 10% to 20% of total...
The difference in employer healthcare costs for hourly versus salaried employees isn’t a simple matter of one group always costing more. Instead, the...
Every year, I sit through the same round of benefits renewal meetings. The conversation always drifts to premiums, trend factors, and stop-loss attachment...
I’ve sat through more vendor meetings than I can count where the slide deck promised a 3:1 or 4:1 return on preventive care. The CFO nods, the wellness...
High-cost claims are the single most significant driver of volatility and long-term expense in employer-sponsored health plans. While routine primary care...
Healthcare costs are among the largest and fastest-growing expenses for employers, and they directly and indirectly shape salary negotiation dynamics . When...
Employer healthcare costs follow a predictable yet sharp upward trajectory as employees age, with significant financial implications for plan sponsors....
30-minute call • Personalized retirement & Store projections
• No disruption to your current plan