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To comply, employers must limit their involvement to: ;Allow the insurer (or agent/broker) to promote and publicize the program to employees (through presentations, emails, flyers, etc.).; ;Collect after-tax premiums through payroll deductions.; ;Remit the collected premiums to the insurer.;; ;No employer compensation.

., healthcare coverage) or to increase the premium co-share of another less-desirable benefit option.

.; ;Shift or productivity-linked premiums: Premiums tied to output or nonstandard shifts may allow employers to increase earnings while maintaining a clear link between pay and productivity.

Overtime and premium pay annually make up approximately 3% of total workforce compensation, or around 4.2% of salaries and wages, according to the U.S.

.; Public Sector Passing on 12.3% Cost Increase to Employees U.S. federal government employees will pay, on average, 12.3% more toward their health insurance premiums starting in January 2026, an average of $26.40 more per pay period, according to information released Oct. 9 by the Office of Personnel Management (OPM).

Fronstin and Domaszewicz recommended that total rewards professionals communicate the following to workers: How premium savings from switching from a PPO to an HSA-eligible plan can be contributed to the account, which can help cover the annual deductible;The accounts’ tax benefits and contribution limits, and how they can be used to invest and save for future medical expenses;Health benefits included in the plan.; Past EBRI research found some consumers on HSA plans reduced their use of services that were free under their plan, such as cancer screenings.

The North American pet insurance industry attained a record-setting $4.27 billion in total sold premiums in 2023.

;With talent at a premium in a tightening labor market, an average of 67% of companies are planning to expand the number of hybrid sales roles, compared to 49% of field roles and 53% of inside sales roles.

To address this, you may want to offer a premium/discount for employees who want to shift from bonus to base or vice versa.

They include: ;Offering lower premiums, bonuses or other rewards, such as matching charitable contributions or gift cards/sweepstakes opportunities, for employees who participate in preventive care programs or complete screenings.; ;Providing flexible paid time off (PTO) specifically for preventive care appointments or offering additional PTO for health-related visits.; ;Offering on-site screenings , workplace wellness clinics or access to telehealth services for preventive care.; ;Contributing to an employee health savings account .; ;Reviewing benefits coverage to ensure all preventive care is covered.; Tap into Technology According to the Aflac survey, only 9% of workers across generations used artificial intelligence (AI) as an information means to address a health concern last year, but 70% are interested in such technology helpers.