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Larger Increases in Health Premiums Expected
2015 premium increases are projected to outpace this year’s, with continued cost-shifting.

Spouse and Dependent Coverage Scaled Back
By 2017, most midsize and large U.S. employers plan to add surcharges or exclude spouses when health coverage is available elsewhere.

Sharing Last-Minute Ways to Maximize FSAs
Year-end spending tips can help employees keep control of their flexible spending account (FSA) dollars.

Millennials’ Under-Saving Nixes Match
Many workers in their 20s and 30s are not saving enough to take full advantage of their employer’s 401(k) match, potentially leaving thousands of dollars on the table.

Restrictive Formularies: In Whose Interest?
Employers can push back against their pharmacy benefit managers over what the formulary of covered drugs includes, excludes and tiers.

On-Premises Meals: Is There a Free Lunch?
The other “cafeteria” plan: Understand the tax breaks for employer-provided onsite meals, including company cateterias.

Home-Selling Aid Considerations
When helping relocating employees with the sale of their homes, focus on legal compliance, cost control and efficiency.

Extension for Transitional Reinsurance Reporting
The deadline for self-insured health plans to report their annual enrollment count under the Transitional Reinsurance Program was extended to Dec. 5.

Telemedicine’s Savings Eyed
Telemedicine has the potential to save money and streamline care access—if employees were to use it, when appropriate, instead of in-person visits to a doctor.

Financial Incentives Promote Health Coaching
When employers offered financial incentives, employees were 33 times more likely to participate in telephone health coaching.


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