Banco Popular de Puerto Rico

Employer clients must be prepared to contribute additional capital to fund and secure the captive's initial surplus, typically 10% to 15% of the first year's premium.

By framing options in terms that resonate with employees' real lives, organizations can help people see the value in their choices.

To keep employees out of the ER and urgent care, easy access to preventative care needs to be part of their healthcare offerings.

Knowledgeable brokers and advisers can smooth the transition to these more personalized plans, increasing healthcare benefit options for their employer clients.

For businesses seeking to maximize the return on their human capital investments, a critical, overlooked opportunity is hiding in plain sight.

It's clear that employers are increasingly recognizing the value of providing time for employees to recharge and circumvent burnout.

With upcoming changes due to the OBBBA, employers may find these plans to be financially beneficial and keep healthy employees from dropping coverage.

The vice president of public policy and government affairs at HealthEquity addresses gray areas of qualification and offers examples of simple, clear explanations for employees.

Moving beyond transactions to position benefits as a prevention system doesn't just slow medical inflation; it builds healthier, more engaged and productive teams.

What brokers and advisers need to know about the institutional knowledge gap in plan operations — a fiduciary issue with real financial and legal consequences.