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On January 15, 2026, President Trump released a high-level proposal for what he’s calling the “Great Healthcare Plan.” While the proposal outlines several policy goals, it currently lacks the operational and legislative details required for implementation. As with all proposed federal healthcare changes, 90 Degree Benefits is closely monitoring Trump’s Great Healthcare Plan to understand…

The Trump administration’s new drug pricing initiative, TrumpRx, is creating meaningful conversation across the benefits industry. By pushing direct-to-consumer drug pricing and aggressive cost-reduction measures, the program has the potential to shift how prescription benefits are structured within employer-sponsored health plans nationwide. For brokers and consultants, the takeaway is simple: change is coming, and preparing…

Why Exceptional TPA Customer Service Matters Selecting the right Third Party Administrator (TPA) is largely about plan design, network access, claims processing speed, and creative cost containment solutions. However, one aspect that often gets overlooked is partnership and the level of customer service your employees experience every time they reach out for help. At 90…

For many employers, rising healthcare premiums feel inevitable. Each renewal season brings another double-digit increase, forcing hard decisions about benefits and budgets. That was the reality for one Northeastern manufacturing company spending more than $1.1 million annually on employee benefits. With premium hikes ranging from 15% to 30% each year, the employer knew the trend had to stop…

For years, employers and brokers have been chasing a health plan that delivers affordability, broad access, and high-quality benefits. But as we head into 2026, that pursuit is becoming even more complex. The data is clear: health costs aren’t slowing down. Prescription drug prices have risen three times faster than inflation since the late 1980s, health premiums…

Delivering Measurable Savings with Our Unique Membership Clinic Program Employers are under constant pressure to balance healthcare costs, quality, and access. In a market where delayed care leads to higher claims and diminished productivity, the challenge is real, and it’s not going away. Many self-funded employers are turning to near-site clinic solutions like Access2day Health to…

You may have heard of a current trend in the healthcare industry. This trend involves mergers and acquisitions (M&A) of third-party administrators (TPAs), and it’s affecting brokers and their clients now more than ever. Service disruptions like key contact turnover, slower response times, priority shifts, and increased costs are common issues that can arise from…

Navigating the healthcare system is no easy feat, especially when faced with high-cost medical emergencies. For employer-sponsored health plans, these situations can result in massive financial strain. But what if there was a way to take control of these costs, even in the most challenging situations? That’s where the CareConnect program from 90 Degree Benefits steps…

For years, employers and brokers have been on a relentless quest for the “Healthcare Holy Grail”—a health plan that offers affordability, broad access, and high-quality benefits. But in the industry’s response, there’s always been a catch: you can have two out of three, but never all three. If you ask people what’s wrong with healthcare…

Providing employees with health insurance coverage is a major expense for businesses, second only to payroll. Self-funding is a cost-effective alternative to a fully insured plan but can come with the higher risk of funding costly medical and drug claims. To mitigate that risk, employers purchase stop loss insurance. So, what is stop loss? And…