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Problem A small manufacturer with 40 employees offered a health plan that was outdated. The fully insured group plan cost the company about $1 million a year in premiums. A financial advisor referred the company to Oswald to take a closer look at better options for providing health benefits. Solution…

Problem A nonprofit with 86 employees absorbed a 32% increase for employee health benefits in 2024. They were told by their existing broker that premiums would go up another 25% in 2025. Upon being questioned, the broker said the best they could do was to reduce the premium increase to…

An employee who is usually high performing, engaged and motivates others often has a great impact on those around them. When that employee starts to seem distracted and less productive, it is noticeable and often a sign that they are experiencing a tough time. We often hear stories such as…

If you haven’t had a fresh set of eyes review your health insurance program then the time is now. Click below to learn how we helped a client save more than $500,000 and build a strategic plan for long term success.

You might have heard the terms care navigation, advocacy, concierge and care management. They all pertain to helping individuals understand their benefits and properly use healthcare services. Though this isn’t a new concept, it continues to gain traction in the employee benefits ecosystem. This segment of the benefits industry was…

Employees who understand their benefits, also see greater value in the investment companies make in their people and culture. Watch below to learn how employers are enhancing their employees experience through better education and communication!

With six generations in the workforce and a mixture of people from different races and backgrounds, diversity defines the employee base. Many employers already offer benefits to suit the needs of a wide range of people. For example, baby boomers (born between 1946 and 1964) are most interested in health…

With the fall college semester in full swing, many young adults may be joining the workforce soon, or they already have. Federal law permits parents to keep adult children on their health insurance until age 26, so it’s natural to wonder when parents should take their adult children off their…

Problem A large health system with 1,200 employees was an existing Oswald client. Like many businesses, they began to see costs rise in their traditional employee benefits health plan. Double-digit stop loss increases Significant high-cost claim activity Higher overall cost of health care In addition, the employer struggled with employee…

Problem A public sector client was not happy with its existing wellness partner, so Oswald was hired to create a better program that would encourage wellness across the organization. Their goal was to create awareness and engagement around wellness, both physically and emotionally. Solution Oswald took a deep dive into the…