{"id":50358,"date":"2023-10-05T00:00:19","date_gmt":"2023-10-05T04:00:19","guid":{"rendered":"https:\/\/roundstoneinsurance.com\/?p=50358"},"modified":"2024-07-11T17:47:37","modified_gmt":"2024-07-11T21:47:37","slug":"why-is-healthcare-so-expensive-the-significant-rise-of-hospital-costs","status":"publish","type":"post","link":"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/why-is-healthcare-so-expensive-the-significant-rise-of-hospital-costs\/","title":{"rendered":"An Employer Crisis? The Impact of Rising Hospital Costs on your Company\u2019s Bottom Line"},"content":{"rendered":"<p><strong>Highlights<\/strong><\/p>\n<ul>\n<li aria-level=\"1\"><strong>Hospital costs have surged by 17.5% from 2019 to 2022 due to inflation and labor shortages, putting significant financial strain on healthcare facilities.<\/strong><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><strong>With over half of hospitals in financial distress by the end of 2022, the gap between rising operational costs and stagnant insurer reimbursements is unsustainable.<\/strong><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><strong>Rising healthcare costs are pushing businesses to increase employee contributions towards health benefits, affecting retention and satisfaction.<\/strong><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><strong>Roundstone Insurance offers a self-funding model that gives businesses control over healthcare costs, ensuring transparency and potential savings.<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>How Will Rising Hospital Costs Impact Businesses? <a href=\"https:\/\/www.shrm.org\/topics-tools\/news\/benefits-compensation\/health-care-costs-2024-growth-wtw-buck#:~:text=A%20pair%20of%20new%20surveys,with%208.2%20percent%20in%202023.\">According to WTW&#8217;s Global Medical Trends Survey<\/a>, the cost of medical care benefits in the U.S. is projected to increase about 8.9% in 2024, up from 8.2% in 2023. Globally, the cost increase is projected to ease slightly to 9.9% after reaching a record high of 10.7% in 2023. However, analysts predict it will rise again in the coming years. Nearly 58% of insurers anticipate higher or significantly higher increases over the next three years following 2024.<\/p>\n<p>&nbsp;<\/p>\n<p>The downstream effect of healthcare inflation is being felt by businesses, who are already struggling to afford quality <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/is-your-healthcare-benefits-plan-sustainable\/\">employee health benefits<\/a>. Unfortunately, many employers are forced to share the higher costs with employees by increasing their share of premium contributions and out-of-pocket expenses like deductibles and coinsurance.<\/p>\n<p>&nbsp;<\/p>\n<p>This can lead to less-than-attractive benefit packages, which can result in<a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/could-self-funded-health-insurance-be-hrs-antidote-to-employee-dissatisfaction\/\"> disgruntled employees and lower retention rates<\/a>.<\/p>\n<p>&nbsp;<\/p>\n<p>Healthcare is now a top business expense \u2014 second only to payroll \u2014 and costs have spiked over 150% in the last 10 years, <a href=\"https:\/\/www.mercer.com\/en-us\/solutions\/health-and-benefits\/research\/national-survey-of-employer-sponsored-health-plans\/\">according to a Mercer survey<\/a>. Worse, <a href=\"https:\/\/www.healthcarefinancenews.com\/news\/payers-could-see-7-spike-healthcare-costs-2024\">costs are expected to double<\/a> in the next four years.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/employers\/\">Employers<\/a> who self-fund their health insurance benefits have some degree of control to mitigate these costs, especially when it comes to encouraging preventative measures and using higher-quality providers.<\/p>\n<p>&nbsp;<\/p>\n<p>But employers who fully fund their insurance plans under traditional carriers will bear the burden of these price increases in the form of higher insurance rates in subsequent years, without full transparency into factors contributing to premium increases.<\/p>\n<p>&nbsp;<\/p>\n<p>That\u2019s probably why more companies, including small to midsize businesses, are exploring their <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/top-employer-health-insurance-options\/\">health insurance options<\/a> and <a href=\"https:\/\/www.statista.com\/statistics\/985324\/self-funded-health-insurance-covered-workers\/#:~:text=U.S.%20workers%20covered%20by%20self%2Dfunded%20health%20insurance%20plans%201999%2D2022&amp;text=According%20to%20the%20data%2C%20among,to%2065%20percent%20in%202022.\">turning to self-funding<\/a>.<\/p>\n<p>&nbsp;<\/p>\n<blockquote>\n<p style=\"padding-left: 40px;\"><em>\u201cThe bottom line is you better be buying healthcare more efficiently because otherwise you take these cost increases on the chin,\u201d said Mike Schroeder, Founder and President of Roundstone.<\/em><\/p>\n<\/blockquote>\n<p>&nbsp;<\/p>\n<blockquote>\n<p style=\"padding-left: 40px;\"><em>\u201c<a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/self-funded-insurance\/\">Self-funding<\/a> provides transparency into cost drivers and their causes \u2014 information to know where there are opportunities to save money,\u201d he continued.<\/em><\/p>\n<\/blockquote>\n<p>&nbsp;<\/p>\n<blockquote>\n<p style=\"padding-left: 40px;\"><em>\u201cThe good news is, if you are self-funded you have the opportunity to manage those costs more efficiently when you consume healthcare from a value perspective.\u201d<\/em><\/p>\n<\/blockquote>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2021\/09\/Is-Your-Company-a-Good-Candidate-for-Group-Captive-Insurance-Checklist.pdf?__mscta=3145_100369_12549\"><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-30713 size-full\" style=\"width: 100%;\" src=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/04\/cta-How-Much-Can-You-Save-with-Captive-Insurance_1800x.jpeg\" alt=\"How-Much-Can-You-Save-with-Captive-Insurance_1800x\" width=\"1800\" height=\"514\" srcset=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/04\/cta-How-Much-Can-You-Save-with-Captive-Insurance_1800x.jpeg 1800w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/04\/cta-How-Much-Can-You-Save-with-Captive-Insurance_1800x-300x86.jpeg 300w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/04\/cta-How-Much-Can-You-Save-with-Captive-Insurance_1800x-1024x292.jpeg 1024w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/04\/cta-How-Much-Can-You-Save-with-Captive-Insurance_1800x-768x219.jpeg 768w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/04\/cta-How-Much-Can-You-Save-with-Captive-Insurance_1800x-1536x439.jpeg 1536w\" sizes=\"(max-width: 1800px) 100vw, 1800px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<h2>Why is Healthcare So Expensive?<\/h2>\n<p>What is <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/why-is-health-insurance-expensive\/\">driving the sudden spike in healthcare costs in the U.S.<\/a>?<\/p>\n<p>&nbsp;<\/p>\n<p>Businesses have experienced a sudden rise in healthcare costs over the last two years. Several factors have contributed to these large increases.<\/p>\n<p>&nbsp;<\/p>\n<p>Hospitals and health systems are under considerable financial strain due to inflationary pressures resulting in rising labor and non-labor expenses. Healthcare costs in America have increased by 17.5% between 2019 and 2022. <a href=\"https:\/\/www.advisory.com\/daily-briefing\/2023\/04\/26\/hospital-challenges\">According to the American Hospital Association (AHA)<\/a>, post-pandemic labor shortages led hospital contract labor expenses to jump up to 258% compared to pre-pandemic levels.<\/p>\n<p>&nbsp;<\/p>\n<p>Hospital expenses for non-labor components such as specialty drugs, medical supplies, laboratory services, equipment, and purchased services like food and nutrition services have increased by 16.6% per patient since 2019.<\/p>\n<p>&nbsp;<\/p>\n<p>Additionally, ever-increasing health insurer policies like prior authorizations, denials, and multiple audit requirements have placed significant burdens on hospitals. This has contributed not only to increased administrative costs but also to physician and nursing staff burnout and time away from patient care, potentially affecting access and quality of care.<\/p>\n<p>&nbsp;<\/p>\n<p>What\u2019s more, hospital revenue from Medicare and private healthcare insurers rose at much lower levels than their expenses, directly impacting hospitals\u2019 bottom line. <a href=\"https:\/\/www.aha.org\/system\/files\/media\/file\/2023\/04\/Cost-of-Caring-2023-The-Financial-Stability-of-Americas-Hospitals-and-Health-Systems-Is-at-Risk.pdf\">AHA noted<\/a>, \u201cOver half of hospitals ended 2022 operating at a financial loss \u2014 an unsustainable situation for any organization in any sector, let alone hospitals.\u201d<\/p>\n<p>&nbsp;<\/p>\n<p>As hospital contracts with private health insurers come up for renewal, hospitals are asking for double-digit price increases <a href=\"https:\/\/www.advisory.com\/daily-briefing\/2023\/04\/26\/hospital-challenges\">so that they can cover what it costs them to provide patient care<\/a> and remain financially viable. Insurance contract cycles are typically between three and five years, so it\u2019s expected that this trend will continue for the foreseeable future.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2021\/09\/Is-Your-Company-a-Good-Candidate-for-Group-Captive-Insurance-Checklist.pdf?__mscta=3146_100369_12549\"><img decoding=\"async\" class=\"aligncenter wp-image-47520 size-full\" style=\"width: 100%;\" src=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/06\/can-captive-insurance-help-your-company-save-money-cta-jpg.webp\" alt=\"can captive insurance help your company save money\" width=\"1800\" height=\"514\" srcset=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/06\/can-captive-insurance-help-your-company-save-money-cta-jpg.webp 1800w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/06\/can-captive-insurance-help-your-company-save-money-cta-300x86.webp 300w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/06\/can-captive-insurance-help-your-company-save-money-cta-1024x292.webp 1024w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/06\/can-captive-insurance-help-your-company-save-money-cta-768x219.webp 768w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/06\/can-captive-insurance-help-your-company-save-money-cta-1536x439.webp 1536w\" sizes=\"(max-width: 1800px) 100vw, 1800px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<h2>How to Mitigate Escalating Hospital Costs in a Self-Funded Insurance Plan<\/h2>\n<p>To <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/roundstone-csi-dashboard\/\">help mitigate rising hospital costs<\/a>, Daniel Demyan, Roundstone\u2019s Cost Containment Strategist, <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/cost-containment-strategies-for-managing-catastrophic-diagnoses\/\">stresses the need for preventative services to minimize going into the hospital<\/a> in the first place.<\/p>\n<p>&nbsp;<\/p>\n<blockquote>\n<p style=\"padding-left: 40px;\"><em>\u201cIf employees are encouraged to get preventative care, they\u2019ll be healthier, which will help keep them out of the hospital in the long run,\u201d he said.<\/em><\/p>\n<\/blockquote>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-55129\" style=\"width: 100%;\" src=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/10\/group-cheer-.jpg\" alt=\"group cheer\" width=\"885\" height=\"500\" srcset=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/10\/group-cheer-.jpg 885w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/10\/group-cheer--300x169.jpg 300w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/10\/group-cheer--768x434.jpg 768w\" sizes=\"(max-width: 885px) 100vw, 885px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>The best thing employers can do to lower healthcare costs is limit financial and geographic barriers to preventative healthcare services, Demyan said. He encourages employers to offer primary and preventative services at no cost to the employee to encourage their personnel to proactively address health issues and save money.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/roundstone-csi-dashboard\/\">To lower healthcare spending<\/a>, Demyan also encourages <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/telehealth-coverage-inspires-trust-in-health-insurance-plans\/\">telehealth<\/a> whenever appropriate, as well as healthcare navigation services such as <a href=\"https:\/\/www.rightwayhealthcare.com\/?utm_source=paid-search&amp;utm_medium=cpc&amp;utm_campaign=branded&amp;utm_content=ongoing&amp;utm_term=rightway&amp;utm_campaign=Branded-Oct&amp;utm_source=google&amp;utm_medium=cpc&amp;hsa_acc=3047050301&amp;hsa_cam=15090177505&amp;hsa_grp=132014986987&amp;hsa_ad=556750767587&amp;hsa_src=g&amp;hsa_tgt=aud-1458571875762:kwd-276648163&amp;hsa_kw=rightway&amp;hsa_mt=b&amp;hsa_net=adwords&amp;hsa_ver=3&amp;gclid=Cj0KCQjwxuCnBhDLARIsAB-cq1rbVD1A_DWsZJ6JYiOYjF3CdOCfqX_7V1nLWNNkDEoyg4NHTmpK2VcaAinYEALw_wcB\">Rightway<\/a> that make it easier for members to find preventative care.<\/p>\n<p>&nbsp;<\/p>\n<p>He also advises employers to <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/employee-health-benefits-wellness-program-trends\/\">explore workplace wellness incentives<\/a>, maintaining a company gym or sponsoring gym memberships, and other measures that make it easier for employees to maintain healthy habits.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2021\/09\/Is-Your-Company-a-Good-Candidate-for-Group-Captive-Insurance-Checklist.pdf?__mscta=3147_100369_12549\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-28867 size-full\" style=\"width: 100%;\" src=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/03\/is-captive-insurance-right-for-you.jpeg\" alt=\"is-captive-insurance-right-for-you\" width=\"1800\" height=\"514\" srcset=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/03\/is-captive-insurance-right-for-you.jpeg 1800w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/03\/is-captive-insurance-right-for-you-300x86.jpeg 300w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/03\/is-captive-insurance-right-for-you-1024x292.jpeg 1024w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/03\/is-captive-insurance-right-for-you-768x219.jpeg 768w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2022\/03\/is-captive-insurance-right-for-you-1536x439.jpeg 1536w\" sizes=\"(max-width: 1800px) 100vw, 1800px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<h2>Other Considerations for Employers and Employees to Reduce Their Healthcare Costs<\/h2>\n<p>I\u2019d further advise various strategies that employers and employees can adopt to lower their healthcare costs. For employers, they include:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">Offering smaller networks of higher-quality hospitals and physicians to lower the cost of healthcare.<\/li>\n<li aria-level=\"1\">Offering employees incentives to seek care at less-costly settings when appropriate, for example, <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/urgent-care-trends-what-captive-members-should-know\/\">urgent care<\/a> versus emergency room, or <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/success-story-dialysis-repricing\/\">using freestanding versus hospital-based diagnostic centers<\/a> for lab and radiology.<\/li>\n<li aria-level=\"1\">Understanding the types of contracts the insurers are negotiating with hospitals and physicians. Value-based contracts that pay providers based on patient clinical outcomes aim to hold providers accountable for reducing rising healthcare costs.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Employer coalitions can have a powerful voice in:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">Contentious contract negotiations that threaten provider network status impacting employees. In many failed contract negotiations, employer action has influenced parties to come to the table to settle on a reasonable outcome.<\/li>\n<li aria-level=\"1\">Demonstrating who their outlier hospitals are in their region, based on cost of care and quality through scorecards.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>For employees and families, strategies to reduce healthcare costs include:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">Verifying that your provider is in-network, so you do not incur expensive out-of-network costs and balance billing.<\/li>\n<li aria-level=\"1\">Using cost-of-care estimator tools that many large hospitals and insurance companies now offer on their websites, so you can fully understand your financial liability and any cost variations from one facility to another.<\/li>\n<li aria-level=\"1\">Understanding your benefits, including covered versus non-covered services, and your out-of-pocket expenses, such as deductibles, coinsurance, copays, and out-of-pocket maximums.<\/li>\n<li aria-level=\"1\">Being aware of cost differences between more expensive settings, like hospitals and emergency rooms, versus lower-cost settings, such as telemedicine, freestanding centers for surgeries, laboratory, radiology, and urgent care.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Self-funded insurance <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/is-healthcare-unaffordable\/\">provides more leverage over expensive health insurance costs<\/a>, including expensive hospital rates. Through self-insurance, employers can choose more affordable hospitals to include in the plan, as well as use <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/roundstone-csi-dashboard\/\">cost containment<\/a> tools to drive down healthcare expenses and further improve the savings of a self-funded health plan.<\/p>\n<p>&nbsp;<\/p>\n<h2>How Roundstone Can Help<\/h2>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/about-roundstone\/\">ROUNDSTONE<\/a> is an innovative employee health benefits company. We help small and midsize organizations offer competitive benefits at a lower cost by self-funding health insurance through our group medical captive. The Roundstone Captive enables companies to self-insure safely by pooling hundreds of employers together to share risk and save money.<\/p>\n<p>&nbsp;<\/p>\n<p>With easy onboarding and personalized support every step of the way, the Roundstone Captive offers control, flexibility, and transparency and returns all savings to employers,\u00a0 where they belong. We believe in always aligning with the employers\u2019 best interests and remain committed to our mission \u2014 quality, affordable healthcare and a better life for all.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/contact-us\/\">Contact a Roundstone representative<\/a> to learn more about affordable healthcare through self-funding.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/contact-us\/?__mscta=3304_100369_12549\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-53673 size-full\" style=\"width: 100%;\" src=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/Better-Benefits-Better-Life-jpg.webp\" alt=\"Better-Benefits-Better-Life\" width=\"1200\" height=\"628\" srcset=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/Better-Benefits-Better-Life-jpg.webp 1200w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/Better-Benefits-Better-Life-300x157.webp 300w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/Better-Benefits-Better-Life-1024x536.webp 1024w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/Better-Benefits-Better-Life-768x402.webp 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p class=\"excerpt\">Highlights Hospital costs have surged by 17.5% from 2019 to 2022 due to inflation and labor shortages, putting significant financial strain on healthcare facilities. With over half of hospitals in financial distress by the end of 2022, the gap between rising operational costs and stagnant insurer reimbursements is unsustainable. Rising healthcare costs are pushing businesses [&hellip;]<\/p>\n","protected":false},"author":16,"featured_media":55130,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1831],"tags":[],"class_list":["post-50358","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cost-containment"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v25.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>An Employer Crisis? The Impact of Rising Hospital Costs on your Company\u2019s Bottom Line | Roundstone Insurance<\/title>\n<meta name=\"description\" content=\"Explore why healthcare is so expensive with insights on rising hospital costs, the impact on businesses, and self-funding as an affordable alternative.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"An Employer Crisis? 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