Group Benefit Solutions

Group Benefit Solutions Employee Benefit Programs and HR Support Services GBS represents a multitude of insurance companies known for their financial strength.

When you choose Group Benefit Solutions as your benefits consultant, you’ll enjoy many added resources and tools to make staying in compliance, communicating with your employees and other HR tasks easier. Any benefits broker can write your group health insurance policy, but GBS strives to become your partner, looking ahead to strategize and help you chose what makes sense for your business. This c

ombination of both experience and the strength of the carriers enable our organization to provide a wide spectrum of products and services that guarantee competitiveness and true value added service in today’s rapidly changing insurance marketplace.

As million-dollar health insurance claims continue to surge, stop-loss insurers that provide excess coverage for self-in...
06/09/2026

As million-dollar health insurance claims continue to surge, stop-loss insurers that provide excess coverage for self-insured employers are increasingly using a controversial underwriting tactic to limit coverage for high-cost claimants.

The tactic, called "lasering," entails applying a higher deductible or exclusion to a specific individual or condition, like heart failure or cancer. Instead of the normal attachment point applying uniformly across the group, the insurer carves out higher-risk individuals and shifts more financial responsibility back to the employer.

https://gbsbenefitsgroup.com/stop-loss-insurers-increasingly-lasering-high-cost-claimants/

The IRS has raised the maximum amounts employees can funnel into their health savings accounts in 2027, as well as the m...
06/08/2026

The IRS has raised the maximum amounts employees can funnel into their health savings accounts in 2027, as well as the minimum deductible and maximum out-of-pocket expenses for high-deductible health plans.

Understanding these amounts now can help you get an early start on human resources planning for next year. Here's how to prepare now.

https://gbsbenefitsgroup.com/2027-hsa-contribution-hdhp-cost-sharing-limits/

Workers are increasingly turning to direct-to-consumer online drug platforms like Amazon Pharmacy, Mark Cuban Cost Plus ...
05/27/2026

Workers are increasingly turning to direct-to-consumer online drug platforms like Amazon Pharmacy, Mark Cuban Cost Plus Drug Company and the government-backed TrumpRx to buy prescription medications at prices sometimes far lower than what they would pay through their employer-sponsored health plans.

But in many cases, the money they spend on those drugs does not count toward their health plan deductible or annual out-of-pocket maximum. A new bill in Congress aims to change that.

https://gbsbenefitsgroup.com/bill-would-require-health-plans-to-count-online-drug-purchases-toward-deductibles/

As demand grows for employer-sponsored behavioral health programs, new research suggests that well-designed mental healt...
05/21/2026

As demand grows for employer-sponsored behavioral health programs, new research suggests that well-designed mental health programs can generate measurable financial returns for businesses while improving employee well-being.

Behavioral health services can deliver a projected return on investment of more than 500%, with employers seeing about $6.07 returned for every $1 spent, according to a new report. The cost returns from behavioral health services are derived from reduced absenteeism and presenteeism, improved productivity and reduced medical spending.

https://gbsbenefitsgroup.com/employers-see-500-roi-on-mental-health-programs-study/

For many workers, retirement marks the first time they must make complex health coverage decisions on their own. After y...
05/14/2026

For many workers, retirement marks the first time they must make complex health coverage decisions on their own. After years of relying on employer-sponsored insurance, the transition to Medicare can feel abrupt and confusing, often leaving employees unsure of what to do next.

Employers that step in to guide workers through this transition can improve retirement outcomes, reduce benefit costs and strengthen employee trust. When older employees understand their Medicare options, they are more likely to retire on time, avoid costly mistakes and feel supported by their employer.

https://gbsbenefitsgroup.com/why-employers-must-help-older-employees-navigate-shift-to-medicare/

Employers are grappling with another year of steep increases in group health plan premiums due to medical cost inflation...
05/12/2026

Employers are grappling with another year of steep increases in group health plan premiums due to medical cost inflation, higher utilization and rising drug prices.

At the same time, health insurers can no longer shift additional costs to employers and employees through higher deductibles or narrower networks.

Instead, many insurers are pursuing structural changes designed to control long-term costs while improving care quality and member experience. Here's what they are pursuing with the goal of reducing costs for themselves, employers and their covered workers.

https://gbsbenefitsgroup.com/how-health-insurers-are-trying-to-rein-in-costs-without-cutting-value-2

As rising health insurance premiums and out-of-pocket costs for health care are burdening workers, more employers are lo...
05/01/2026

As rising health insurance premiums and out-of-pocket costs for health care are burdening workers, more employers are looking for ways to help their staff put aside money for those expenses.

While health savings accounts have grown in popularity, you can only offer them to employees who are enrolled in high-deductible health plans. Fortunately, there is another option: a health reimbursement arrangement. Here's how they work.

https://gbsbenefitsgroup.com/hras-can-help-your-staff-pay-for-medical-expenses/

Employers that sponsor health plans will face a new layer of compliance risk under the Consolidated Appropriations Act o...
04/23/2026

Employers that sponsor health plans will face a new layer of compliance risk under the Consolidated Appropriations Act of 2026, which imposes sweeping transparency and reporting rules on pharmacy benefit managers.

The law aims to open up the "black box" of prescription drug pricing, but it also puts both self-insured and fully insured employers closer to the compliance line, with potential civil monetary penalties that can reach $10,000 per day for reporting failures and $100,000 per violation for knowingly providing false information.

https://gbsbenefitsgroup.com/new-pbm-rules-raise-compliance-stakes-for-employers/

During the last three years, a new driver of health plan costs has emerged: a growing share of employees are postponing ...
04/15/2026

During the last three years, a new driver of health plan costs has emerged: a growing share of employees are postponing doctor visits, screenings and even medications until conditions worsen.

Instead of early, lower-cost intervention, employees are entering the system later and sicker. This is fueling more catastrophic claims, higher utilization of emergency services and ultimately higher costs for employer-sponsored plans.

https://gbsbenefitsgroup.com/delayed-care-fuels-chronic-conditions-drives-health-plan-costs/

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