Beyond Renewal: Building a Long-Term Health Benefits Strategy

For many employers, health plan renewal has become an annual exercise in difficult tradeoffs. Decisions such as raising deductibles, increasing employee contributions, or changing carriers may provide short-term relief, but they are not sustainable. Too often, they leave HR leaders facing the same challenges at the next renewal. Findings from our 2026 Mid-Market Benefits Benchmarking Survey underscore the need for a multiyear health benefits strategy.

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Maternity Billing Is Changing in 2027, But the Bigger Story May Be the Opportunity

Beginning January 1, 2027, professional maternity care billing will change significantly. For decades routine prenatal, delivery, and postpartum professional services have generally been grouped within a global maternity bill.  According to a recent article from the American Medical Association, under the new structure, professional care will be reported separately across four phases: prenatal care, labor management, delivery, and postpartum care.

For employers, this is more than just a billing change. Claims may appear earlier and at more points throughout the maternity period, potentially affecting claim timing, cash flow, reporting, and administration. The added detail may help employers recognize needs sooner, evaluate maternity resources, and make better-informed health plan decisions.

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