In recent years, many employers with fully-insured plans have experienced sticker shock as they watched their premiums rise. Health care costs, in general, are trending upward, reflecting not only inflation but changes in federal policies and health care utilization. The pandemic has altered the way that employees approach their benefits election process and put greater stress on the importance of compelling benefits packages in attracting and retaining talent.

One way for employers to take control of their health care spending and better tailor benefits to employees is to consider the move to self-funding.

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