COSTS ARE RISING BUT VALUE IS NOT KEEPING UP

Employers are under pressure to deliver benefits that both attract talent and protect the bottom line. Yet traditional health plans often create more frustration than value:

• Escalating Costs: Premiums and renewals rise each year, outpacing wage growth and company budgets.
• Unpredictability: Employers are forced to navigate claims volatility and unexpected spikes in healthcare spend.
• Employee Dissatisfaction: Even with expensive plans, employees face high deductibles, confusing coverage rules, and surprise bills.
• Retention & Recruitment Pressure: Benefits are one of the top reasons employees choose to join—or leave—a company. Without competitive healthcare, employers lose their edge.
• Lack of Transparency: Employers rarely know where their healthcare dollars are going, and employees often don’t know the true cost of care until it’s too late.