Healthcare Costs

Rising cost trend from 2020 to 2025 marking delayed care returns and GLP-1 surge points on curved line chart.

Why Your 2025 Benefits Renewal Felt Out of Control—and How to Take Back Control in 2026

If your 2025 benefits renewal felt unusually difficult to navigate, you were not alone—and more importantly,...

Have you outgrown your PEO?

Have you outgrown your PEO?

In a company’s early days, engaging a professional employer organization (think TriNet, Sequoia One, or ADP...

The Bad Renewal Trap

The Bad Renewal Trap

Most fully-insured employers are flying blind into their annual health plan renewals. Without claims data, finance...

Cons of a Captive Trust

Cons of a Captive Trust

If the marketing messages surrounding health insurance captive trusts sound too good to be...

Exceeding 100 Employees Reduces Healthcare Costs

Exceeding 100 Employees Reduces Healthcare Costs

Small Group vs Large Group Insurance High growth companies, especially those in the tech...

Before a RIF, factor in small vs large group health plan costs

Before a RIF, factor in small vs large group health plan costs

If you’re contemplating a reduction in force (RIF) to cut your operational costs, it’s...

These Carriers are Waiving COVID-19 Treatment Costs

These Carriers are Waiving COVID-19 Treatment Costs

Health insurance carriers are already covering COVID-19 tests, and many are covering...

HSA Expansion Option for Employers

HSA Expansion Option for Employers

If you're wondering how IRS Notice 2019-45 ("HSA Expansion") affects your...

The Game Theory Behind Health Plan Renewals

The Game Theory Behind Health Plan Renewals

For most U.S. employers, providing employee health care coverage is a cost of doing business, not your core...

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