The work behind the answer.

The Floor Beneath the Number

Private equity, IDR fees, and expenses outside your quoted maximum liability.

Your Contribution Strategy Is a Pricing Strategy

The budget tells you what the company will spend. The contribution schedule tells employees what every option costs.

The GLP-1 Exclusion Needs an Escape Hatch

Cigna stopped covering GLP-1s for weight loss in its own employee plan. Its public policies point self-funded employers toward narrow access, clinical care, and a contract that shows the math.

The 9% Isn't the Story