The objective is to have a clear view of baseline vs. current Rx trend, documented savings tied to interventions and a reconciliation check on guarantees and rebates. 

The key to success is reviewing an administrator's fiduciary status, licenses they hold with carriers and the agent of record that is going to service the policy.

How one adviser's personal experiences reinforced the value of providing long-term care coverage as part of a hybrid life insurance policy for a superior solution.

The time has come to assemble a coalition of defense to remove a structural flaw that has resulted in a waste margin of roughly $4,000 per employee per year.

With more than 400 million health data breaches recorded since 2021, failure to protect plan participants from fraud may serve as fertile ground for class-action litigation.

With raised fiduciary expectations, the health benefits market will move toward more transparent, level-fee structures and fiduciary-aligned advice.

An ability to clearly explain what changed, why it changed and what can realistically be influenced next is indispensable in the face of opacity.

Full disclosure of administrative fees, rebates and spread pricing practices is essential to ensure PBM incentives align with a client's best interests.

Starting conversations earlier, educating consistently and helping employers believe they can influence employee healthcare represent a competitive leg up.

As voluntary benefits litigation plays out, compensation structures are expected to be measured against data, benchmarking and fiduciary process.

Organizations that use AI to strengthen engagement — not automate it — will be the ones that truly improve workforce health.

Only 4.4% of newly-eligible patients would be covered by the projected $900 million in savings, according to new research.

The path forward to meaningful healthcare reform is to push decision-making and dollars closer to the communities where change needs to happen.

Under this model, cost predictability becomes structural, workforce diversity is treated as a design input and choice shifts from theoretical to practical.

When employers look beyond premiums and examine access, clarity and risk distribution, better options tend to emerge.

A meaningful treatment strategy prioritizes early access, trusted guidance and right-site care before pain escalates into imaging, injections, surgery or long-term disability.

Supporting pregnancy loss directly strengthens workforce stability, protects productivity and reinforces culture. 

Employers now face an inflection point: recognize leaves as an opportunity to strengthen workplace culture or continue to treat them as a disruption. 

Vendor relationships that prioritize empathy, communication and simplicity in benefits offerings journey underscore the importance of collaboration. 

Advisers say the health insurance market could stay hardened in 2027 and beyond amid greater involvement in benefit design strategies from executive teams.