Healthcare cost insights from 1,500 small and midsize employersRead more

Reports and Research

Fresh perspective and insights on health benefits and self-funding.

2026 Healthcare spend report
Report

2026 State of Healthcare Spend

This report showcases how rising healthcare costs are impacting small and midsize employers and what they are doing in response.

Key insights show early signals of transformation in strategy, funding model adoption, and what employers now expect from their advisors.

Get to know the industry terms

Proven long-term savings

Employers saved 7.5% in year 1 with Pareto compared to staying fully insured. Savings grew an incremental 16.5% by year 3.

Source: ParetoHealth Claims-based Savings Study 2024

ParetoHealth outperforms traditional insurance with greater total healthcare cost savings

7.5%
Year 1
13.2%
Year 2
16.5%
Year 3

What our consultant partners are saying