NOTES ON EMPLOYER COST
Where does the money actually go?
Short pieces on the cost levers most employers never get shown, and what each one is worth.
Did a letter from Health Net land on your desk this week?
If you have a Health Net group plan in California or Oregon, it is ending. Notices went out September 1, and coverage is expected to run thro...
Did your broker just send you something about a "CHOICE Arrangement"?
It's the ICHRA. Same benefit, new name, as of September 3, 2026.
Why it matters: CMS and the SBA renamed the Individual Coverage...
Between 8% and 11%, before you change anything. Large employers project a median 9.2% increase for 2027, or roughly 8% after raising deductibles and copays. WTW puts the pre-change figure at 11.1%. Th...
Does your payroll system know which of last December's overtime hours were premium hours?
If not, you have about three months to fix it. The W-2s you issue in January 2027 have to carry data most pay...
What number is your carrier going to put in front of you for 2027?
If you have under 50 employees, the median request across nearly 300 small group insurers is 14%. That is up from 11% the year befor...
How much can you ask employees to contribute toward their own coverage in 2027?
Up to 10.22% of household income, per the safe harbor you elect. That is up from 9.96% for 2026, and it is the highest ...
Could your own employees sue you over what your health plan pays for prescriptions?
A federal court in New York let exactly that case proceed in March 2026, against JPMorgan Chase. Employees analyzed...
About the author
Which of these is costing you the most?
The analysis costs nothing, needs no health information, and comes back in days. Bring your broker and your CFO.
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