How do employer healthcare costs vary by the age distribution of the workforce?
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...
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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...
Every fall, benefits teams open the benchmark report and compare their employer contribution against a peer group matched by industry, size, and region. If...
US healthcare spending averages about $12,900 per person each year. Employers cover a large share of that bill, and the number keeps climbing while outcomes...
Most employer health cost strategies share a blind spot. They start after the claim exists. Reference-based pricing renegotiates that claim. Pharmacy...
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...
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,...
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...
Value-based insurance design promised to fix a broken incentive. It did half the job. If a diabetes medication prevents a $30,000 hospital stay, the logic...
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