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PBMs are progressively exploring ways to incorporate those types of offerings into their own apps and services that they offer insurers and employers, which total rewards professionals can vet as they’re assessing vendor solutions — a timely task as health costs continue to increase .

Thus, blockchain deployment eliminates the intermediaries, vendors and recruiting agencies as the HR managers can independently verify transactions.

; Sun noted that resources from the Economic Research Institute and survey vendors like Aon Radford and WTW can provide valuable insight into differences in cost of labor between locations based on published market data.

California is weighing a similar law, and the state’s Supreme Court ruled in August that third-party vendors can be liable if AI is used discriminatorily in hiring. ( Editor’s Note, 9/17/2025: Colorado, Illinois and New York City are leading efforts to regulate AI in HR by enacting laws to prevent algorithmic discrimination and require disclosures and audits for AI tools used in hiring and employment decisions.

; ;Did a new wellness vendor increase participation rates in some activities?

The design or implementation of a particular vendor’s benefit may be administratively burdensome for your total rewards department.

These dynamics, she added, create “a pressure-cooker environment,” and employers will need to balance myriad demands that include cost-mitigation efforts, pursuing quality within health plan and vendor offerings, and managing employee expectations — all while maintaining a competitive yet comprehensive health and benefit plan for their workforces.

That can ensure coverage continues to benefit those who most need the drugs, she said, adding that third-party vendors can help adjudicate these decisions.

That can include customers, vendors, shareholders, government institutions and — yes — employees.

Beware of Consumer Scams After a natural disaster, unscrupulous vendors can prey on those under tremendous stress.