As medical treatments evolve, it is expected that the plan design may not be in absolute sync with the latest science.

As the season transitions from summer to fall in the Northeast, we find ourselves reaching for jackets and boots to protect against the crisper autumn temperatures. This time of year, however, should not be limited to looking for ways to defend ourselves against the upcoming harsh conditions, but also the time we must use to protect (and prepare) our self-funded plans to avoid an unforgiving 2020 renewal. Often, the path to change starts by listening to employees about their concerns or suggestions for the upcoming year.

Related: How self-funded employers can shrink health care costs–instead of benefits–in 2020

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