As healthcare costs rise, employers need to address the economics driving employee cost-sharing.

More mid-market employers are turning to captives and alternative funding as traditional insurance costs accelerate. But changing how healthcare risk is financed does not change the underlying cost of that risk.

Growing employer interest in individual coverage health reimbursement arrangements reflects rising frustration with group market pricing, not a genuine shift in benefits strategy.

Rising healthcare costs continue to pressure insurance markets across both individual and employer-sponsored plans. 

Federal regulators move to accelerate clinical research as competition from China intensifies.

Employers are debating whether to cover GLP-1s. The bigger question is why some plans pay $1,500 a month while others pay $500.

Major carriers cite elevated catastrophic claim activity as employers continue to adopt alternative funding strategies despite higher stop-loss costs.