Consumer health advertising is driving many employees to take action on GLP-1s. But without guidance, those decisions could be risky, new research finds.
Rather than defaulting to higher employee contributions or reduced coverage, many employers are seeking structural, data-driven strategies that address cost drivers at their source.
Jeff Smedsrud says that the draft Affordable Care Act individual health insurance market rules will make individual major medical insurance more attractive and more affordable in many markets.
Roughly 400,000 to 800,000 U.S. residents might be using cash from individual coverage health reimbursement arrangements or similar arrangements to pay for their health insurance this year.
"If health insurance premiums rise faster than wages and general inflation, small employers are likely to face intensified financial strain..." says Paul Fronstin of the Employee Benefit Research Institute.
