Employee-Paid

Mark Newman, a provider contracting executive, predicted that reducing payment hassles would increase the supply of providers.

The company is reportedly the fifth biggest benefits broker, with more than $1.4 billion in benefits revenue.

The cards may work smoothly more than 70% of the time, but not necessarily at big-box stores' checkout counters.

"The No Surprises Act was designed to protect patients from unexpected medical bills, not to increase health care costs," Catherine Gaffigan, president of health solutions at Elevance Health, said in a statement.

Individual and small group health plans faced losses in 2025 as medical claims continued to climb, accelerating a shift toward alternative benefit models.

Program managers argue that some of the strength is due to lingering problems with enrollment fraud.