Premium costs
Why premiums keep going up and what employers can actually do about it.
Articles in this topic
The 'market' doesn't force premium increases the way your broker may suggest. Here's what's actually happening and what employers are doing to break the cycle.
What we know about employer health insurance premium trends heading into 2026, what's driving the increases, and what Utah employers can do to plan for renewal.
A practical playbook for employers tired of watching premiums climb year after year. Specific, actionable steps that consistently produce real cost reductions.
Every renewal season brings another increase. Here's what's actually driving those numbers higher — and the strategies smart businesses are using to take back control.
When your employees are healthy and claims are low, someone benefits from that surplus. In most plans, it's not you. Here's how different plan structures handle unused premiums.
The structural reasons behind annual rate increases and why your broker may not be showing you the full picture — the fully-funded model, risk pool averaging, and the incentive problem.
Looking for something else?
Browse all topics