HUB International：2026年打破成本循环：综合福利策略如何帮助控制不断上升的医疗计划成本报告（英文版）

Historically, employer-sponsored healthcare plans have followed a predictable cycle: Costs rise > Reduce benefits > Shift burden to employees > Quality suffers But forward-looking organizations are taking a dynamic approach instead:Measure and refine > Stay ahead Identify future trends > Use data to pinpoint risk > Deploy targeted strategies >Structural forces like provider consolidation, higher labor costs, technology adoptionand a significant rise in the frequency and severity of large clai