Routine primary care is tied to better health outcomes and lower healthcare costs.    It is a simple idea, but as anyone who has dealt with the U.S. healthcare system knows, the reality is more complex.   Many patients wait weeks or even months to get an appointment with their primary care…

As benefit costs continue to escalate, many employers are searching for ways to gain more control over their expenses. One solution they may consider is using an alternative funding arrangement for their employee benefits.   Alternative funding arrangements can offer flexibility in plan design and opportunities for long-term cost savings. Unlike…

As organizations accelerate their digital transformation journeys, they face a new breed of risks—ones that blur the boundaries between the virtual and physical realms. Among the most pressing and often overlooked threats is cyber-induced property damage. This emerging risk challenges traditional insurance models and reveals a critical gap in coverage that…

Gene and cell therapies offer the potential to transform the treatment pathway for patients with some of the most debilitating conditions. However, with costs routinely exceeding $1 million per treatment, these therapies can create a significant financial burden for employers. Spark Therapeutics’ Luxturna, a therapy for vision loss, costs $425,000…

Artificial intelligence is transforming the modern workplace by automating tasks, enhancing decision-making, and increasing efficiency. But like any powerful tool, AI comes with pros and cons. As companies race to integrate AI into their operations, they must consider the impact of possible data breaches, algorithmic bias and system failures, to…

Cybercriminals are becoming more strategic, targeting individuals and organizations through deception, financial manipulation, and social engineering. From business email compromise to AI-generated impersonation, today’s scams are more sophisticated, more convincing and more damaging than ever. These attacks exploit personal data, workplace systems and everyday routines, creating serious vulnerabilities across teams…

Innovate your approach to mitigating supply chain risk Supply chains are facing myriad challenges in today’s dynamic global market. And any disruptions to these complex networks can be more than a temporary inconvenience for manufacturers, they can be a serious financial threat. Disruptions from natural disasters and labor strikes at…

A growing category of complex health conditions is contributing to high-cost claims, alongside established drivers such as cardiovascular disease and cancer.  Musculoskeletal disorders (MSK), conditions that affect muscles, bones, tendons, joints, ligaments, cartilage and spinal discs, have become increasingly common, affecting 127.4 million people in the U.S., research shows.    The…

As business owners and executives approach their health benefits renewal period, there is no escape from the uncertainty in the health insurance market. Several of the largest insurers in the U.S. have withdrawn or reduced their earnings guidance for 2025 after underestimating trends in medical care.   Given the unpredictability in…

Smoke alarms play a crucial role in safeguarding our homes and workplaces. Around 60% of fire-related fatalities occur in homes with either no smoke alarms or no working smoke alarms present. Their importance is the focus of this year’s Fire Prevention Week, observed Oct. 6-12, “Smoke Alarms: Make Them Work…