Articles

Featured AnalysisPBM Contract Renewal: The Pharmacy Terms You Should Renegotiate Before You RenewThe CAA of 2026 gives employers new audit rights and transparency mandates for PBM contracts. Here are the specific terms worth renegotiating before your January 1 renewal.Read the breakdown →
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caa-compliancefiduciary-liability
Mid-Month Terminations Create a COBRA Billing Problem Most Employers Never See Coming
When an employee terminates mid-month, COBRA's first premium period is commonly prorated to cover only the remaining days, then full monthly billing resumes. Most employers don't know this until something breaks.
Oct 29, 20266 min readRead →
pbm-transparencypharmacy-costsplan-design
Your Mail Order Mandate Is Saving the Plan Money. It's Costing Your Employee More.
When your plan mandates mail order for maintenance medications, manufacturer coupons often stop working, and the savings the plan captures may not be the savings you think. Here's what's actually happening and what employers can do about it.
Oct 28, 20267 min readRead →
caa-compliancefiduciary-liabilitymental-health-parity
Gender Affirming Care Isn't Required Under ERISA. That's About to Get Complicated.
No federal law requires ERISA plans to cover gender affirming care today. But discriminatory exclusion language, expanding Mental Health Parity enforcement, and conflicting executive orders are creating fiduciary exposure employers aren't tracking.
Oct 27, 20267 min readRead →
ichraaca-compliancecaa-compliance
ALEs Are Moving to ICHRA. Here's What the Transition Actually Looks Like.
ALE adoption of ICHRA grew 39% year-over-year on a like-for-like basis. Here's what the transition actually looks like on cost, communication, and ACA reporting.
Oct 23, 20267 min readRead →
reference-based-pricingplan-designcost-containment
Reference-Based Pricing for Outpatient Surgery: The 40% Discount Nobody Told You About
Reference-based pricing reprices outpatient surgical claims to a percentage of Medicare instead of accepting PPO discounts off inflated billed charges. On a single $75,000 procedure, that difference can exceed $22,000.
Oct 22, 20267 min readRead →
broker-compensationrenewal-strategyself-funding
Your Broker Negotiates Once a Year. That's the Problem.
A broker who negotiates once a year, at renewal, isn't negotiating. Year-round preparation, claims data, and marketplace benchmarking are what actually move the number.
Oct 21, 20266 min readRead →
plan-designbenefits-strategyemployer-education
Your Youngest Workers Can Access Life and Disability Coverage. Most Employers Never Offer It.
Voluntary supplemental benefits, including life, disability, accident, and critical illness, can be offered to all eligible employees at near-zero employer cost. Here's why mid-market CFOs should close that gap before the next open enrollment.
Oct 20, 20267 min readRead →
erisaplan-designcaa-compliance
Illinois Mandated Benefits: What Your Self-Funded Plan Doesn't Have to Cover
ERISA preemption shields most Illinois self-funded private-sector plans from state insurance mandates. But exempt doesn't mean drop it. Your workforce, retention, and what employees had under BCBSIL belong in the decision too.
Oct 19, 20267 min readRead →
plan-designbenefits-strategyemployer-education
Communicating Plan Changes to a Manufacturing Workforce: Beyond the PDF in the Break Room
A PDF in the break room doesn't reach your third-shift workforce. Here's how manufacturers can build an open enrollment communication strategy that actually works for hourly, multilingual, and deskless workers.
Oct 16, 20266 min readRead →
cost-containmentrenewal-strategybenefits-strategy
Rush and Endeavor Are Merging. Chicago Employers Should Plan for the Price Tag.
Rush and Endeavor plan to merge into a 12-hospital, $11 billion system, putting them alongside Northwestern and Advocate at the top of Chicago's market. Research says hospital mergers raise prices 6% to 9%. Here's how employers should prepare.
Oct 15, 20266 min readRead →
self-fundingcaa-compliancefiduciary-liability
The Regulatory Storm Hitting Self-Funded Plans Right Now
The 4-month cap on short-term health plans isn't a coming threat. It's a 2024 rule the agencies stopped enforcing in 2025. Here's what actually touches a self-funded plan, including a new fertility excepted benefit proposed for 2027.
Oct 15, 20266 min readRead →
plan-designhsa-hdhpcost-containment
Low HSA Balances Aren't an Employee Problem. They're a Plan Design Problem.
Low average HSA balances are a plan design signal, not an employee engagement problem. Here's what the data says about deductible misalignment, seed contribution strategy, and why fixing this protects both employees and the employer's bottom line.
Oct 14, 20267 min readRead →