We anticipate frequency and severity of medical stop loss claims to tick up as the 2022 year 1 progresses and extends into 2023. This is an outcome of deferral on specialty pharmacies, site challenges and a direct result of of care, and support from drug macro economic factors. These manufacturers to lower out- impacts have made their way of-pocket costs. It also means to health care, spiking costs employers are demanding 49% to providers and expecting integrated care management to increase over the next 昀椀ve from PBM’s and health plans as of all large employers years. One of the top in昀氀uences well as supplemental specialty contributing to the rise in costs pharmacy coverage and captive and 58% of those are worsening availability of arrangements. with 20,000 or more 6 clinical labor sta昀昀. The use of targeted programs employees o昀昀er these With cost increases looming, aimed at speci昀椀c health types of programs or are employers are refocusing on cost conditions (e.g., diabetes, seriously considering it. management strategies to slow musculoskeletal, COPD) has increases over the long term, gained traction in recent years while minimizing cost shifting as a way to achieve better 4,7 to employees. This includes outcomes and lower costs. plan design changes focusing 12% of all employers have adopted enhanced clinical management models beyond the standard 7 health plan model. 2023 Benefits Trends: The evolving workplace 60