Success Story

Reducing Healthcare Costs Without Shifting Burden to Employees

A technology and IT security services firm in Ohio needed to manage rising healthcare costs while continuing to offer competitive benefits to employees.

Lower healthcare costs

Maintained competitive benefits

HRA strategy to offset costs

Preserved HSA eligibility

The Challenge

The employer faced significant increases in medical plan renewal costs, creating financial pressure for both the organization and its employees

Increases in renewal costs

Financial pressure for organization and employees

Balance affordability while preserving access to quality programs

Leadership needed a way to reduce premiums without shifting additional costs onto employees or diminishing the overall value of the benefits offered. The organization required a solution that would balance cost control with affordability while preserving access to tax-advantaged benefits.

Our Solution

EBC partnered with the employer to redesign its benefits strategy using a combination of a health reimbursement arrangement (HRA) and an HSA-compatible plan

Increased the deductible to reduce overall premium costs

Implemented an HRA to offset a portion of employee out-of-pocket expenses

Maintained employee eligibility to contribute to HSAs

Structured the HRA to bridge the gap between previous and new deductible levels

This approach allowed the employer to control costs while minimizing financial impact on employees.

The Result

The employer achieved a more sustainable and balanced benefits strategy:

Reduced premium costs while stabilizing overall healthcare spend

Preserved access to HSA contributions, supporting long-term savings opportunities for employees

Improved confidence in the benefits program among both leadership and employees

By strategically redesigning the plan, EBC helped the employer navigate rising healthcare costs while continuing to offer a competitive and balanced benefits package.

Ohio

| HRA, HSA