The future of healthcare is rapidly evolving, with a clear trend toward integrating health interventions directly into employee benefits packages. As employers face rising healthcare costs—projected to increase by over 8% in 2025—they are rethinking how to deliver value to their workforce while managing expenses. This integration is reshaping not just what benefits are offered, but […]
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If your church operates on a tight budget and with a busy ministry staff, taking on additional responsibilities like safety and security can feel challenging. Yet, these efforts are vital. Churches frequently face losses caused by storms, falls, water damage, theft, fires, vandalism, and similar risks. The encouraging news is that meaningful improvements can be […]
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Benefits and Me
Insurance Costs Expected to Rise A new report from Mercer, a consulting firm specializing in human resources and financial services, predicts that health insurance costs will increase by an average of 6.5% in 2026. This is the most significant jump in 15 years. While health care spending has drastically increased over the last few years, […]
Federal regulators—specifically, the Departments of Labor, Health and Human Services, and the Treasury—issued joint guidance on October 16, 2025, making it significantly easier for employers to offer fertility benefits outside of their traditional group health plans. This action was driven by an Executive Order focused on protecting in vitro fertilization (IVF) access and reducing the […]
Health Insurance today is significantly more complex for young workers than it was just a decade ago. This complexity is driven in large part by healthcare costs that have outpaced inflation, pushing premiums, copays, and other out-of-pocket expenses to comprise substantial portions of their budgets. For many younger employees, navigating this landscape is confusing – […]
Over the past several years, mental health in the United States has steadily declined. Growing concerns about this issue have increased the pressure on employers to provide stronger mental health benefits. Although many organizations have expanded their mental health offerings, utilization among employees remains low. When these resources go unused, employees who could benefit miss […]
No doubt about it, prescriptions are expensive. While this may not be a big worry when you’re young and healthy, the costs can add up quickly if you’re diagnosed with a chronic condition or need an expensive drug. Whether you take medications regularly or for an occasional illness, it pays to know how to save […]
It’s an unfortunate reality that violent acts are sometimes carried out in houses of worship. Religious organizations should be prepared for violent risks, including active shootings—the most common type of threat—robbery, assault, arson and bombings. These violent acts are often carried out by individuals who are or have been connected to the religious organization. There […]
Open enrollment is a hectic and critical period for employers that often brings a risk of compliance errors. These mistakes can confuse employees and cause missed benefits, while also exposing employers to legal risks. This article highlights five common compliance pitfalls to avoid during open enrollment: Ineffective Communication of Benefit Changes – Benefit offerings often […]
Medicare Part D Notices Are Due Before Oct. 15, 2025 Each year, Medicare Part D requires group health plan sponsors to disclose to individuals who are eligible for Medicare Part D and to the Centers for Medicare and Medicaid Services (CMS) whether the health plan’s prescription drug coverage is creditable. Plan sponsors must provide the […]
