The Employer's Guide to Pharmacy Benefits and PBM Contracts
Pharmacy is the fastest-growing line in most health plans. This guide explains how PBM contracts work, where the money hides, and what employers can actually change.
Resources
In-depth, step-by-step guides on the most important benefits decisions employers face.
Pharmacy is the fastest-growing line in most health plans. This guide explains how PBM contracts work, where the money hides, and what employers can actually change.
Stop-loss insurance is the financial safety net that makes self-funded and level-funded health plans viable for smaller employers. This guide explains how it works, what to watch for, and how to evaluate your coverage.
Voluntary benefits let small employers expand their benefits package without large premium increases. This guide explains how to use them strategically to improve retention and employee wellbeing.
Health insurance costs are up 9 11% in 2026. This guide walks employers through the full range of cost management strategies without sacrificing the benefits that drive retention.
A practical guide for HR leaders and executives on how to assess whether your benefits broker is delivering real value and how to evaluate alternatives if they're not.
A comprehensive guide for employers who want to stop accepting renewal increases at face value and start negotiating from a position of strength.
A comprehensive guide for employers considering leaving their PEO arrangement including timeline, costs, vendor selection, and what to expect on the other side.