The Deductible’s Dirty Secret
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...
Opinion
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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...
Every benefits director knows the standard story. Stop loss insurance catches you when a catastrophic claim threatens to blow up your self-funded plan. The...
I was sitting across from a client last fall, watching her slide the carrier’s renewal letter across the table. The number was ugly-a 14% increase on a...
Employer healthcare costs are far more than a line item on a P&L statement-they are a strategic variable that can influence investor sentiment, earnings...
Every benefits leader wrestling with reference-based pricing knows the tension. You push for hard-dollar savings, and somewhere across town an employee...
Small business owners love a fixed number. It lets them forecast, sleep at night, and avoid uncomfortable questions. So when a broker pitches a level-funded...
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...
A few months back, I sat across a conference table from a benefits director who was beaming. Her team had just completed a repricing vendor RFP, and the...
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