For self-funded employers, pharmacy benefit decisions that used to be relatively contained are now directly affecting stop-loss exposure and renewal pricing.

Despite average balances reaching a new high, few account holders contributed the maximum amount.

Layoff numbers hide the real shift. Jason Averbook explains why HR leaders should manage workforce skills, not headcount, in 2026.

This projection marks the fourth consecutive year of elevated health care cost trends approaching double digits and extends one of the most sustained periods of health care inflation employers have faced in decades.