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Retiree benefits are an overlooked cost containment strategy in the health insurance industry.

6 Feb 2026 · 1 min

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Two advisors explain how financial professionals can cut costs by examining retiree health benefits, which most overlook. Start by reviewing census data to find employees over 65 still on the employer plan, then consider carving them out into a separate strategy.

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Like, I'm an advisor. Right. Are there any questions I should be asking with my clients to see if this is even a need? Because, remember, a lot of advisors are focused on the active employees, and they're not even thinking about the retiree.
Right. And this is where, if it is a current client, you get a look. You obviously have their census information, and you look at it, and you kind of look, and you go, hmm, you've got 25 people here, over 65. What's their story? It's like they're just, you know, they're retired, but they're still on our plan, that type of thing. And then that's when it's like, you know, you can carve these guys out and.