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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,…

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…

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…

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,…

February 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…

There has long been a debate whether a focus on public health at the local level really makes a difference in health outcomes. Joel Pszczolkowski, a benefits analyst with Taylor Oswald, collaborated with other researchers to shed some light on the issue. The findings, published in the journal Springer’s Discover…

Problem A manufacturer provided health insurance for roughly 50 employees. The organization connected with Oswald, even though they had just made an entire plan and broker change 10 months prior. Oswald gained deeper insights into the organization’s goals, values, and culture, while also providing a brief overview of the process Oswald…

With 2025 kicking off, people have reached out asking what this year has in store for the health insurance market. Tough question, with a lot of nuances. As the M&A market (hopefully) substantially improves, deal teams want to know how to forecast trend into quality of earnings and purchase price…

Since 1996, the federal government has been protecting patient information through the Health Insurance Portability and Accountability Act, better known as HIPAA. Those regulations were updated in Spring 2024, and all businesses with at least 50 employees are required to update their policies by Dec. 23, 2024. Implementing an initial…

An FSA is an employer-sponsored benefit that allows employees to contribute a portion of their paycheck into a special account that can be used for qualifying medical expenses. The contributions are made on a pre-tax basis, reducing your taxable income and, therefore, lowering your overall tax liability. For 2024, the…