Insights
Medicare Part D Update: Understanding the New $2,000 Out-of-Pocket Cap
Starting January 1, 2025, Medicare Part D will eliminate the ‘donut hole’ and introduce a $2,000 annual out-of-pocket cap for prescription drugs. Learn how these changes reshape retiree healthcare benefits and what employers need to know to support their former employees effectively.
Understanding Pharmacy Trends: Key Drivers of Health Plan Costs in 2025
The pharmacy landscape is evolving at a rapid pace, driven by advancements in medicine, regulatory changes and shifts in consumer behavior. For employers and health plan managers, keeping pace with these changes is essential to manage costs effectively while ensuring...
Tailoring Benefits to Boost Retention: A Focus on Gen Z
As the workforce continues to evolve, employers must rethink their strategies to attract and retain top talent. With Generation Z, the demographic group born after Millennials, now entering the workforce in large numbers, businesses need to reconsider traditional...
ACA Under Fire: Addressing the Rogue Broker Crisis with Government Oversight
The Affordable Care Act (ACA) was established to make health insurance more accessible to millions of Americans. However, its reputation has been tarnished by reports of unscrupulous brokers enrolling people into ACA plans—or altering their current plans—without their...
The Personalization Mandate: Custom Benefits as a Competitive Edge
In today's fiercely competitive job market, attracting and retaining top talent has become a growing challenge for many employers. To stand out, companies are increasingly turning to a powerful approach: customized employee benefits. The days of uniform benefit...