Insights

Stop-loss renewal is about more than premium. Self-funded employers should evaluate attachment points, aggregate protection, laser provisions, contract terms and emerging claims exposure before renewal negotiations begin.

Preventive care can help employers identify health risks earlier, manage long-term healthcare costs, reduce absenteeism, improve productivity, and build a healthier workforce. The greatest value comes when employees understand and use the preventive benefits available to them.

Rising healthcare costs are not entirely outside an employer’s control. This article explores the hidden factors that can influence plan spending, including care settings, provider selection, chronic condition management, pharmacy costs, vendor performance, and employee engagement.