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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…

Problem A small manufacturer with 40 employees offered a health plan that was outdated.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 health and wellness services. Though this isn’t a new concept, it continues to gain traction in the employee benefits ecosystem. This segment of the benefits…

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…