As employers prepare for a projected 9% median increase in health care costs, The Hartford research reveals how financial pressures are shifting priorities around benefits products, worker engagement and technology integration.

Group captives are among the fastest-growing segments of the captive insurance market, expanding options and creating a greater need for advisors to help clients evaluate quality and risk.

With nearly 83% of employer health plan spending tied to manageable costs, a trusted TPA partner is crucial for cost containment – particularly as more employers shift to self-funded plans.

More than half of U.S. workers live paycheck to paycheck, but struggle to understand and use the employee benefits designed to ease financial strain. New research reveals three ways advisors can help improve benefits engagement.

With 75% of employer-sponsored health insurance projected to be covered by self-funding plans by 2030, benefits advisors need data and training to help guide clients through this switch.

With nearly 60% of Americans unable to cover a $1,000 medical bill, supplemental health benefits provide a cost-effective way for organizations to support their employees’ financial well-being.

U.S. supplemental health product sales exceeded $2 billion in early 2024. Now with innovative coverage features and services, brokers have new ways of meeting client needs.

With 80% of insurance companies using or planning to use AI in the next year, carriers and brokers must harness the technology's potential while ensuring appropriate governance.