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Navigating Volatility: Innovative Strategies for Cost-Effective Health Benefits with Christian Moreno, Lockton

In this episode of The Benefits Playbook, Christian Moreno, Executive Vice President at Lockton, shares strategies for managing healthcare cost volatility and designing health plans that integrate wellness solutions — and why supporting employees with data and guidance is critical to meaningful cost control.

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I don’t know that you can make this just an employee decision at the end of the day. It’s going to have to happen further upstream if we want to have a seismic or substantial impact on cost… It’s going to have to have assistance from intelligent data tools, the TPA, and the ecosystem around the member making those decisions.

— Christian Moreno

Season 3 of The Benefits Playbook continues with a conversation that bridges the perspectives of plan design, wellness, and benefits strategy. Host Kirk McConnell sits down with Christian to explore how employers can manage rising healthcare costs, the efficacy of wellness programs versus high-cost medications like GLP-1s, and the potential role of narrower networks to contain costs while maintaining quality care.

Christian brings more than 20 years of experience in health plan design, corporate wellness consulting, and international plan implementation. He previously co-founded Health at Work Wellness Actuaries and served as Vice President and Executive Director of Cooper Benefits, where he helped launch Cooper Aerobics Center’s group employee benefits offerings. Christian frequently speaks to HR professionals and corporate financial managers about strategies for cost containment through intelligent plan design and wellness programs.

Highlights from Christian’s episode include:

  • The volatility of healthcare costs and strategies to manage it
  • Wellness programs and the rise of high-cost medications
  • The future of network design and its impact on quality and cost
  • How employers can guide employees to high-value care providers
  • Why meaningful cost control requires upstream interventions and data-driven decisions

🎧 Listen to the full episode above, or find it on Apple Podcasts, Spotify, or your favorite podcast platform.

📄 Read the episode transcript here.

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