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Our Blog: Partner Insights

How Employee Benefit Captives Create Greater Control Through Shared Risk

Moving Beyond Traditional Approaches to Healthcare Risk Healthcare costs continue to create challenges for employers, even those with established benefits strategies and long-standing carrier relationships. Rising costs, high-cost claims, specialty medications, and market volatility have made annual renewal decisions increasingly complex. For many organizations, the conversation has shifted. The focus is no longer only on … Continued

Healthcare Funding Is Changing: Why Employers Are Exploring Captive Insurance Models

The Changing Nature of Healthcare Funding Employee benefits have long been an important part of attracting and retaining employees. Increasingly, however, healthcare has become a broader financial consideration for employers. Rising medical costs, specialty medications, high-cost claims, and ongoing market uncertainty have made healthcare expenses more difficult to predict. For many organizations, healthcare spend now … Continued

Is a Captive the Right Fit for Your Employee Benefits Strategy?

Evaluating a Different Approach to Healthcare Funding For many employers, healthcare costs have become one of the most complex and unpredictable financial pressures within their organization. What was once managed primarily as an HR function is now a central component of long-term financial planning, influencing budgeting, forecasting, and broader business strategy. Rising medical costs, specialty … Continued

Evaluating Fully Insured Renewals: A  Clearer Perspective for Employers 

For many organizations, fully insured renewal season brings a familiar  question: why did our costs change?  While renewal increases are often presented as a single number, they are rarely driven by a  single factor. In reality, your renewal is the result of multiple assumptions made by the  carrier, each influencing how your organization’s risk is … Continued

Modern Benefits Strategy: Why ICHRA Is Becoming the Smart Choice for Growing Businesses

The New Landscape of Employee Benefits Health benefits have long been one of the most challenging aspects of running a business. Costs rise faster than budgets, employee expectations evolve, and the workforce itself has changed. Remote work, hybrid teams, and multi-state operations have redefined what “employee benefits” need to look like. Traditional group health insurance … Continued

Empowering Employees Through Choice: How ICHRA Builds Better Benefits for Everyone

A Better Approach to Health Benefits For decades, employer-sponsored group health insurance has been the standard way to provide coverage. But that structure often leaves employees with limited options and businesses struggling to keep costs predictable. As healthcare needs become more personalized, one-size-fits-all coverage no longer satisfies a diverse workforce. The Individual Coverage Health Reimbursement … Continued

The Employer’s Guide to ICHRA: How Individual Coverage Is Changing Group Benefits

A New Era of Employer Health Benefits Every year, employers face the same challenge: rising premiums and limited plan options. Traditional group health insurance often forces businesses into rigid structures that don’t match the realities of today’s workforce. The result is frustration for both employers trying to manage costs and employees trying to find coverage … Continued

Henderson Brothers ICHRA Update –Looking ahead to 2026!

Individual Coverage Health Reimbursements continue to see a lot of traction in the market, especially in Western Pennsylvania and Eastern Ohio. In the 2025 Growth Trends for ICHRA report published recently by the HRA Council, it was reported that 2025 saw a 49% year-over-year increase in ICHRA adoption amongst employers with 100-199 employees and an … Continued

Annual Enrollment Actions

Annual benefits enrollment is a critical opportunity for both employers to effectively communicate their benefits offerings and for employees to make informed decisions that impact their health, well-being, and financial security. If you are looking for assistance on how to leverage HR tech for your business, please contact Maggie Boucher, Senior Consultant, at (412) 754-3245 … Continued

Exploring the Full Picture of Mark Cuban’s Cost-Plus Pharmacy

Mark Cuban’s Cost-Plus Pharmacy (Cost-Plus) has garnered significant attention for its transparent pricing model and potential to reduce prescription medication costs. Many self-funded employers are particularly interested in partnering with Cost-Plus, hoping it will yield substantial savings for their health plans. However, it’s crucial to understand that “cost plus” is not synonymous with “lowest cost.” … Continued