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Healthcare Costs guides
Why group health renewals rise and how to negotiate themWhat drives group health renewal increases in 2026 and 2027, with named cost projections, and a step-by-step plan to challenge, shop and restructure a renewal.Group captives for medical stop-loss: how employer health captives workHow a group captive layers into medical stop-loss for self-funded employers, what members put up and share, the trade-offs, and what to check before joining.PBMs, GLP-1 drugs and employer health costsHow PBMs make money, what FTC reports and the 2026 federal PBM law mean for employer plans, and how to manage GLP-1 and specialty drug spend.The small business health care tax credit (Form 8941): rules and 2026 figuresWho qualifies for the IRC 45R credit, how the 50% credit is reduced by FTEs and wages, the 2026 wage threshold of $34,100, the SHOP rule and how to claim.Stop-loss insurance for self-funded health plans: specific, aggregate and the fine printHow medical stop-loss works for self-funded employers: specific and aggregate coverage, contract basis, lasers, run-out, claims and the terms to negotiate.Medical costs, opioids and workers' compWhy medical care is the biggest piece of workers' comp losses, what NCCI data shows on 2025 severity, fee schedules and opioids, and what employers control.