Our Thoughts
Insights that help employers
buy healthcare smarter
Fiduciary perspectives on cost containment, transparency, and member experience
– from the IBT Consulting team.
What Would You Build If You Weren’t Allowed to Renew Your Current Health Plan?
Every year, employers across the country receive their health insurance renewal. The numbers change. Premiums increase. Contributions are adjusted. Maybe deductibles move. Perhaps the broker shops a few carriers. Then, after several weeks of discussion, the…
The Healthcare Number Your CFO Should Be Asking HR For
Your CFO probably knows your cost of labor. They know payroll, taxes, operating expenses, and margins. They know how revenue is trending and where the business is over or under budget. But ask this question: What is our true healthcare cost per employee—and why is it…
Your Broker Brought You Three Quotes. But Did They Bring You a Strategy?
When health insurance renewal season arrives, many employers are presented with something that looks like a strategy: Option A. Option B. Option C. In other words: Three carriers. Three premiums. Three plan designs. There may be spreadsheets comparing deductibles,…
Five Places Your Healthcare Plan May Be Leaking Money
A 12% renewal increase doesn’t tell you where the money went. For many employers, the annual health insurance renewal arrives with a familiar message: healthcare costs increased, claims were higher than expected, and next year’s premium is going up. Maybe…
Your Health Insurance Renewal Is a Report Card—Not a Strategy
If you’re seeing the problem for the first time at renewal, you’re seeing it too late. Every year, employers receive their health insurance renewal and brace themselves for the number…8% increase. 12% increase. 18% increase. Sometimes more. Then the…
Before You Accept Another Renewal, Ask These Five Questions
Every year, employers across the country receive their health insurance renewal. Premiums increase. Deductibles change. Benefits are adjusted. Then comes the familiar question: “Which carrier gives us the smallest increase?” While comparing rates is…
Healthy Employees Don’t Happen by Accident
Every employer wants a healthier workforce, along with all that comes with it: Lower healthcare costs, higher productivity, less absenteeism, and more engaged employees. But healthier employees do not happen by accident. They are the result of intentional leadership,…
The Most Expensive Employee Benefit Is the One Your Employees Don’t Understand
For many employers, providing a competitive employee benefits package is a significant investment. Every year, organizations dedicate substantial resources to offering health insurance, wellness programs, and voluntary benefits designed to attract and retain top…
Why Paying More Doesn’t Mean Getting Better Benefits
Every year, employers across America receive the same phone call: “Your health insurance renewal is increasing.” The percentage changes, but the conversation rarely does. Premiums go up. Budgets tighten. Employers adjust. Employees pay more. Then everyone…
Your Health Insurance Renewal Isn’t the Problem. Your Strategy Is.
Every year, employers across the country brace themselves for the same conversation. The renewal arrives. Rates increase. Budgets tighten. Difficult decisions follow. Higher employee contributions. Increased deductibles. Reduced benefits. More frustration. For many…
Understanding Health Savings Accounts (HSAs): Requirements, Tax Advantages, and Employer Considerations
Health Savings Accounts (HSAs) have become one of the most valuable employee benefits available in today’s marketplace. When paired with the right health plan, HSAs offer employees an opportunity to save for healthcare expenses while receiving significant tax…
Why Corporate Wellness Strategies Are Critical for Employers Offering Health Insurance Benefits
For many employers, health insurance has become one of the largest and fastest-growing expenses on the balance sheet. Annual renewal increases, rising pharmacy costs, chronic disease prevalence, and employee absenteeism continue to challenge organizations of every…
Transparency. Integrity. Results. — The IBT Consulting difference.