It is difficult to keep abreast of the constant changes in the healthcare landscape and to develop appropriate strategies and plans in response. In an effort to manage the impact of escalating health insurance premiums, employers and employees alike are opting for health care plans with higher co-pays and deductibles. As a result, what used to be termed “supplemental” insurances or “ancillary” benefits have now become an essential and integral part of an effective core benefits strategy.
Here are some articles and reports that may help guide you in evaluating your downside risks and how best to protect yourself against them:
The Kaiser Family Foundation www.kff.org. A nationally recognized non-profit whose studies are frequently cited in the press, KFF tracks industry trends and statistics and offers vast amounts of free information.
Aflac Workforces Report www.aflac.com/business/resources/aflac-workforces-report/default.aspx. For seven years this comprehensive, independent report has been tracking data on employees’ attitudes towards benefits and how employers are grappling with benefits issues. The study is also segmented and provides insights into the benefits landscape by a multitude of variables, including company size.
Eastbridge Consulting Group www.eastbridge.com A leading private consulting firm focused on the voluntary/worksite benefits industry. They have in-depth reports that can be purchased, but also routinely publish articles and editorial columns on emerging trends.
Workforce Magazine www.workforce.com A leading publication dealing with a wide array of workforce management issues, it provides useful tips for business owners/managers and human resource professionals.
Following are some additional valuable resources that provide a wealth of information on employee benefits, the health insurance industry, and trends in the workplace: