In 2025, U.S. employers are bracing for a projected 5.8% to 8% increase in health insurance costs—driven by higher medical service prices, increased healthcare utilization, and the rising demand for expensive prescription treatments like GLP-1 weight-loss drugs.
For many employers, especially small and mid-sized businesses, these rising costs create pressure to react quickly—often by shifting costs to employees, reducing benefits, or scrambling for cheaper coverage. But these short-term tactics can backfire, damaging employee satisfaction, talent retention, and long-term financial predictability.
At TBC Benefits, we believe there’s a better way. As your partner, consultant, and advisor, we help turn healthcare volatility into a strategic advantage for your company and your people.
Several converging factors are responsible for the sharp rise in healthcare costs:
Medical inflation — Higher prices for hospital stays, surgeries, and outpatient services.
Increased utilization — Employees are catching up on delayed care, driving up claims.
Costly prescription trends — Weight-loss and specialty drugs (e.g., GLP-1s) are rapidly increasing plan costs.
Greater employee expectations — Workers now expect comprehensive mental health and preventive care benefits.
In response, many employers lean on outdated cost-cutting methods like:
Raising deductibles or employee premium contributions
Limiting provider networks without considering access or quality
Ignoring plan design optimization opportunities
The result? Increased employee frustration, more administrative burden on HR, and higher long-term costs.
At TBC Benefits, we strive to go beyond the traditional broker role. Our goal is to serve as a strategic partner to your leadership team—helping you analyze risk, forecast costs, and build a smarter, long-term benefits strategy that aligns with your goals.
Here’s how:
We help you evaluate and implement high-performance networks that prioritize quality, access, and cost efficiency—without compromising employee experience.
Our team works with you to help manage high-cost drugs through smarter formulary and plan design, step therapies, and employee education.
We help design plans that encourage preventive care and reward smart healthcare decisions—reducing long-term claims and improving outcomes.
Using claims data and industry benchmarks, we provide forecasting tools that support better renewal negotiations and long-term planning.
We provide personalized support, learning opportunities and communication strategies that help employees understand their benefits, make cost-effective care choices, and take ownership of their health decisions.
Your leadership team needs more than a spreadsheet—they need a strategic partner who can:
Provide data-backed insights at budget time
Simplify complex renewal options
Benchmark your costs against industry peers
Support compliance and risk mitigation
💬 “With our extensive background on the carrier side of the business, we don’t just show you your renewal; we show you what’s driving it—and how to take control of it.”
We don’t just serve your leadership—we’re here for your people, too.
Clear benefit communication to reduce confusion and increase utilization
Onboarding support to help employees understand their plan
Proactive care guidance to help them make smarter, lower-cost choices
Wellness tools to reduce claims and improve outcomes
Rising costs are a reality—but with the right strategy and the right partner, they don’t have to be a liability. TBC Benefits helps you:
Make smarter plan decisions
Empower employees with better information
Protect your business from unpredictable cost spikes
Ready to rethink your approach to employee benefits? Let's talk!