Husband, father, and insurance guy. I translate benefits and HR chaos into plain English.
New Orleans
Joined August 2008
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The PBM fee disclosure rule is final. For self-funded plans with plan years starting on or after July 1, 2027, PBMs must disclose rebates, spread pricing and other pay, updated twice a year.
Employers: put a PBM contract review on the calendar now, not the week before renewal.
Albertsons will stop covering employees' spouses in 2027 if the spouse can get coverage at their own job. This year it charged a surcharge instead.
Employers weighing a spousal carve-out: tell families early, so the spouse can sign up during their own job's open enrollment.
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Louisiana has the highest car insurance rates in America. The highest! The reason is simple. These egregious, overt, obnoxious injury attorneys and their proliferation of advertising on radio, TV and billboards encourages people to sue. Makes people think they need a lawyer to make an insurance claim.
A lot of open enrollment windows slam shut tomorrow, Oct. 30. Before you click done, check the three things people forget: dependents, dental and vision, and your FSA — that one never carries over on autopilot. Which one did you almost miss?
Fewer employers are covering GLP-1s for weight loss: 53% of those with 100+ workers now, down from 57% last year (WTW). Another 16% are thinking about dropping them.
Employers, if your plan is changing for 2027, tell people now, not at the pharmacy counter in January.
Saints flew home from Paris 2-5, with 18 rushing yards and a bye week to stare at it. That is not a bad week. That is an evaluation. Same question I would ask a benefits plan after a bad year: what actually changes? What is your one fix?
Open enrollment tip most people miss: clicking through the screens is not enrolling. You are not done until you hit submit AND get the confirmation number. Half-finished elections do not save. Did you actually finish yours, or just start it?
54% of U.S. workers say they'd take a pay cut for more job security (Monster).
Employers, read that twice. People aren't just chasing a bigger check. They want to know the job, and the health plan, will still be there next year.
Stability is a benefit. Are you selling yours?
you're not gonna believe this, but I had no idea how to wash a cat before this.
nitter.cf/i/trending/21136230102…
You Can See Everything cost about seven million to make. It's already pulled in twenty three point four million. At this rate, 2027 is going to have a thousand new Nathan Fielders.
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JUST IN: Palmer Luckey's genetically modified military dog startup, Warhound, comes out of stealth, aiming to create enhanced canines for the U.S. military.
Readers added context they thought people might want to know
This is NOT Palmer's company at all, his company Anduril is only supplying the tech for the dogs, and this is a wholly owed Collosal entiity
x.com/palmerluckey/s…
Workers at small firms now pay $9,687 a year for family coverage. That's $2,847 more than at large firms (KFF 2026).
How does your plan stack up? BenefitGrader.com now benchmarks it against the new national numbers. Get your free Benefits Snapshot: benefitgrader.com
A new 8,300-person survey just split the workforce in two. 62% say AI makes producing work easier. But 48% received AI output that needed edits, and 34% admitted forwarding AI work they'd never read to the end. Same tool. Two workforces.
I've watched the same split in benefits for 25 years. Some employers consume their renewal quote — sign it, resent it, repeat. The conductors interrogate it: the claims, the fees, the trend. The carrier always benefits when you don't ask questions.