This piece was developed for employers who operate level-funded, partially self-funded and fully self-funded benefits programs. While some insurance carriers do relay robust data sets to fully-insured...

For decades, self-funding and alternative health plan models lived in the domain of Fortune 500 enterprises—organizations with thousands of employees, sophisticated finance teams, and the risk...

A Minnesota school district recently discovered something that should terrify every HR director managing pharmacy costs: GLP-1 medications—drugs like Ozempic, Wegovy, and Mounjaro—represented just 2%...

Assuming a January 1st “effective date”, most employers view their benefits renewal as a fourth-quarter event—something that kicks off in September, wraps up by November, and goes live...

Most middle-market employers believe they understand their benefits costs. They see the renewal documents, review the premium increases, approve the budget — and assume they have visibility. But...

Most HR leaders sleep soundly believing their benefits package is a competitive advantage. They’ve invested heavily in comprehensive medical plans, robust retirement matching, generous PTO...