01.Core Concepts

Health insurance premiums continue to rise Employers are shifting more cost to employees through higher deductibles PPOs dominate group health insurance markets Continued growth of high-deductible health plans with a savings option Coverage for early retirees continues to decline Establishment of tiered or high-performance networks Establishment of tiered pricing for prescription drugs Increase in employers offering wellness benefits Use of health risk assessments Establishment of onsite health clinics Tighter eligibility requirements for spousal coverage ‹#›