Changing insurance landscape

• Industry and brokerage consolidation shaping plan access
• Niche carrier market limits competition
• Medicaid changes impact enrollment

Financial pressures & cost drivers

• Persistent inflation affecting premiums
• Surge in high-cost claims, including specialty drugs
• Growth of biosimilars and generics reshaping pharmacy spend

Evolving student needs

• Escalating demand for mental health support
• Greater interest in voluntary benefits
• Increased parental involvement & GLP-1 inquiries

Optimizing plan efficiency

• Aligning with student health center workflows
• Leveraging analytics to inform plan design
• Simplifying and automating waiver management