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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…

October is Employee Ownership Month and we’re celebrating the difference it makes for our employees, as well as clients. Hear what some of our employee-owners have to say:   

We often hear the frustration around receiving a renewal quote just days before the renewal date – especially when it’s unfavorable. Most insureds feel backed into a corner, with little time to create a strategy that could improve the result. Time is a critical element to achieve confidence in the…

The U.S. Supreme Court recently made a significant decision that will impact the structuring of buy-sell agreements for closely held companies. If you’re not familiar with such agreements, they are commonly used by business owners to ensure that, when one owner dies, their interest will be sold to the other…

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 care In addition, the employer struggled with employee retention…

Problem A large, global manufacturer had been working with a broker who did not monitor the company’s ongoing risk.  The client was led to believe the health insurance plan would have a modest cost increase of 5% at renewal, when in fact, it turned out to be 27% when all…

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…

Problem Our Ohio-headquartered client with a workforce primarily located in North Carolina acquired a company based in Texas. The employees at the North Carolina location were provided a low-benefit, minimum essential coverage medical plan. However, the Texas location offered more traditional medical plans and generous ancillary benefits. Our client hoped…

Problem An Oswald client faced the challenge of identifying the source of their skyrocketing medical costs. At the same time, they experienced extremely high medical benefit drug charges due to the network paying a percentage of charges that the outpatient facility determines. Solution Our analytics advisors and service team worked…