To say that employers are struggling to control medical costs would be an understatement, as employers face the highest increase in over 15 years*. With no end in sight, employers are open to any ideas that can help reign in the out-of-control increases.

Consider the following:

• The total health benefit cost per employee is expected to rise 6.5% on average in 2026 *
• Employees can expect their paycheck deductions for health coverage to rise by about 6-7% on average, with potential for higher out-of-pocket spending if employers raise deductibles and copays. *
• When employers were asked to identify top priorities for managing health programs over the next few years, a typical response was: “Greater focus on managing high-cost claims” *

So, what are employers to do to address this seemingly endless cost spiral?

Benefits All-In (BAI), through an exclusive arrangement with Chubb, has developed a unique approach to reducing medical costs. By working together with the employer, BAI, through its proprietary Benefits Resource Genie™ can identify the most appropriate alternative options for employees to improve their coverage while simultaneously reducing costs for the employer, by an average of $200 - $500 per employee.

ACSIA’s role is to meet with employees as part of an active engagement to capture the eleven question survey that forms the basis of the BAI analysis. ACSIA also supports the enrollment in the two Chubb products that are included in the offering.

To learn more about how you can help your clients use BAI to reign in costs, register for our upcoming session.

*Beth Umland and Sunit Patel, “Employers prepare for the highest health benefit cost increase in 15 years” Mercer US Health News, 9/3/2025