Insights

When it comes to healthcare, affordability isn’t just a buzzword—it determines access, outcomes, and equity. The economic principles governing healthcare demand are straightforward: as costs decrease or become manageable, more people can access and afford the care they need. When they are high, rising, or uncertain, too often, healthcare doesn’t happen. Unfortunately, Out-of-pocket costs often present insurmountable barriers for patients.

When we think about innovation in healthcare, it’s easy to get caught in the traditional "iron triangle": access, cost, and quality. These three elements have long been considered fixed constraints—improve one, and you’re likely to diminish another. But what if there’s a way to disrupt these familiar dynamics? What if there’s a fourth dimension that, by pushing the triangle over time, can make care more accessible and affordable without sacrificing quality? Our CEO and founder, Brian Whorley, has written about this possibility, which is worth revisiting as benefit leaders emerge from open enrollment and turn their eyes toward 2026.

Managing healthcare costs doesn’t have to feel overwhelming—especially when you have the right tools in your wallet. Health Payment Accounts (HPAs) and Health Savings Accounts (HSAs) are two powerful options that are often treated as standalone solutions, but here’s the thing—they’re even better when they’re paired together.

It’s the most wonderful time of the year! Mostly…

Managing a loved one’s prescription drug costs can feel overwhelming, especially with high out-of-pocket expenses. Enter the Medicare Prescription Payment Plan (M3P)—a game-changing solution launching in 2025 that lets Medicare Part D beneficiaries spread prescription costs into smaller, interest-free monthly payments. In this article, discover how M3P works, its key benefits, and how tools like the Rx Cost Calculator can help you and your loved ones plan for a healthier, stress-free future.

The start of a new year is the perfect chance to hit refresh—especially when it comes to your healthcare benefits. If you have employer-sponsored insurance, you probably know the basics like premiums, deductibles, and copays. But here’s the thing: your benefits package likely holds more value than you realize. By uncovering hidden perks and learning how to make the most of your coverage, you can set yourself up for a healthier, wealthier, and more stress-free year. Ready to make your benefits work harder for you? Here’s your quick guide to maximizing them like a pro!