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The Michael Report: 5 Minutes on Employer-Sponsored Healthcare

With 10 years of experience in the insurance and healthcare industry, I’ve had the privilege of working alongside some of the brightest minds in the field.  Over the years, I’ve met with over 500 different organizations and personally consulted with more than 100 companies, ranging in size from 30 employees…

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[April 9 Event] Meatballs and Benefits: Strategies for Smarter Savings

oswaldcompanies

Join us for lunch to break bread and learn how Individual Coverage Health Reimbursement Arrangements (ICHRA) and other innovative benefits strategies can help your business save on health care costs. Shaping the future of your employee health insurance benefits may be easier than you think. While the traditional efforts of…

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Generic vs. Designer Drugs: Separating Fact from Fiction

oswaldcompanies

Designer or name-brand prescription drugs can be a significant expense for many consumers, yet some hesitate to switch to generic drugs due to common misconceptions and beliefs. To clear up any confusion, we turned to the U.S. Food and Drug Administration (FDA). Myth #1: Generic prescription drugs aren’t as effective…

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Drug Rebates Aren’t Always a Good Idea: When to Say No

oswaldcompanies

Rebates always sound appealing – who wouldn’t want to recoup money on a product that would be purchased anyway? But, when it comes to prescription drugs, rebates aren’t always as beneficial as they may seem on the surface. Sometimes, they can do more harm. In the search for a pharmacy…

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Benefits: Doing Right by Your Employees and Your Business

oswaldcompanies

Is your company up to the challenge of attracting and retaining the top performers needed to drive your business? Recruiting and retention has taken on a “Game of Thrones” approach where the competition is fierce to land the right candidate, and health benefits are a large part of the equation.…

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Is It Time You Reconsidered Your Pharmacy Benefit Manager?

Marc Lasceski

As open enrollment time approaches each year, companies have to look at every aspect of their benefits package in order to manage rising costs while still offering their employees attractive options. One part of the package that’s getting more and more attention is pharmacy costs and the role of the…

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Laws of Attraction Prevail: Taking Control of the Health Benefit Renewal Process

Ron Boynar

When selling a house, most of us don’t invite buyers over with dirty laundry on the floor and a sink full of dirty dishes. We know that showing a house at its worst can make it more difficult to sell and probably cost us money in the long run. However,…

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The Michael Report: 5 Minutes on Employer-Sponsored Healthcare

March 2025 With 10 years of experience in the insurance and healthcare industry, I’ve had the privilege of working alongside some of the brightest minds in the field.  Over the years, I’ve met with over 500 different organizations and personally consulted with more than 100 companies, ranging in size from…

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Closing the Health-Safety Gap: A Holistic, Data-Driven Approach to Risk Management

Steve Carey

Historically, worker health and worker safety have been addressed from two separate silos. Safety is normally handled by a finance and safety team focused on occupational safety, lowering instances of injury, and workers’ compensation cost reductions. On the other side, health and wellness programs are typically handled by an HR…

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It’s Not Just Insurance Anymore

Jonathan Sadlier

Health Benefit Trends Address Risk Management Employers grapple with offering benefits that sustain their organizations’ bottom line and meet the needs of employees. It gets harder every year and last year was no exception. Managing benefits, particularly health and wellness coverage, impacts profitability and as the war for talent escalates,…

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