It’s time for employers to get more from the health insurance industry

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The 2018 National Health Expenditures fact sheet from CMS showed a consistently distressing story: Healthcare spending was up 4.6% ($11,172 per person), out-of-pocket spending up 2.8%, prescription-drug spending up 2.5%. We all agree these are not sustainable increases, and yet the numbers continue to rise year after year.

Jodi Hubler

The Kaiser Family Foundation reports 2021 insurance premium increases will be modest—averaging about 1.1%—but, with the continuing stress of the COVID-19 pandemic, there is “considerable uncertainty as to what health costs, utilization and enrollment will look like.”

To most employers, this is not news. The challenge is that the current

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