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European employees prefer a hybrid work model significantly more than employers, which creates added tension.

Establish a governance model or committee responsible for determining what constitutes a natural disaster vs. other disruptions.

Organizations can apply analytical models to forecast and strategize for future impact.

Analytics exercises may prove helpful in this regard and allow you to model alternatives to determine the impact of plan design features (such as forfeiture, caps, carryover rules) vs. usage trends.

Remote work and hybrid models have led some workers to replace their commute time with exercise or some sort of physical activity, Marenus said.

Dell Technologies is among the companies that have turned to the COE model.

“This reflects a shift from broad PPO [preferred provider organization] plans to targeted, outcome-based models that emphasize value and results over access alone,” he said, adding that Mercer is seeing employers increasingly demand programs that reflect value-based care and enable the delivery of real, measurable results.

The opaque nature of PBMs , which historically have used negotiated discounts and rebates with manufacturers as part of their compensation model, has led to alternatives.

Model the behavior you want to see.