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For decades, employers have faced a frustrating pattern: year after year, healthcare premiums rise unpredictably — often outpacing inflation and budget forecasts. Every renewal season feels like a negotiation with no leverage, leaving benefits managers forced to choose between absorbing costs, passing them onto employees, or cutting back on benefits. It’s a cycle that’s not…

The U.S. healthcare system is meant to serve its people, yet millions of Americans struggle with rising costs, limited access, and a system that feels more burdensome than supportive. At the root of the problem is a legacy insurance model that prioritizes profit over patient well-being, making it nearly impossible for consumers to make informed…