Licensed RHS Form

Historically, retiree benefits have been part of a group-based program, but as the marketplace for individual Medicare plans has grown, group plans for retirees are becoming less efficient for plan sponsors and are delivering less value to retirees. In a world of unsustainable healthcare costs, we've created a smarter way forward for employers and their people. The results are revolutionary: reduced employer costs, risk, and volatility, alongside greater plan choices, improved experience and reduced costs for individual participants.