At some point, someone told you your company was too small to have real options. Too small to self-fund. Claims too ugly. Nothing to do but take the
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- Author: Allison De Paoli
You Negotiate Every Vendor Except Your Biggest One
Think back to your last vendor negotiation. You had terms ready, benchmarks in place, and a walk-away position if things went sideways. Now think about your last benefits
Your Health Plan Repriced Your Workforce. Nobody Asked You.
Every raise in your company gets approved. Someone proposes it, someone signs off, finance models it. That is how spending works. Except one line. Every year, your health
Why “We’ll Fix It at Renewal” Is the Most Expensive Strategy
Somewhere in your building this spring, a benefits problem surfaced. An ugly claims month. Pharmacy spend climbing. Complaints about the network. And someone said the six most expensive
Self-Funded or Fully Insured, Pharmacy Is Eating Your Renewal
Renewal season arrives and the number is ugly. The explanation is vague: healthcare inflation, trend, the cost of doing business. Everybody nods. Nobody digs. Dig anyway. A big
The Budget Line Nobody Made You Justify
The Budget Line Nobody Made You Justify You can account for every line in your budget. Payroll, rent, software, the office coffee. Each one breaks down to the
Your renewal is being built right now. You just weren’t invited to the meeting.
Right now, your carrier is pulling your claims, checking how their whole book of business performed against their own targets, setting next year’s rate, and deciding how much
A Renewal Went Down. Math, Not Magic.
I opened a renewal last week and the number was lower than the year before. Not flat. Not a polite single-digit bump. Actually lower. I read it twice.
The Cement is Still Wet
There’s a reasonable chance – some experts put it at 30% – that within the next two election cycles, the U.S. moves toward some form of Medicare Advantage
The 401(k) Reckoning Is Coming for Your Health Plan
Thirty years ago, a law firm started suing employers over how they managed their 401(k) plans. Float, bad advice, excessive fees, low-value funds. Three cases went to the