Today's workforce is more distributed, multi-generational, and mobile than ever — and traditional, one-size-fits-all benefits no longer keep up. New research from 1,000 U.S. employees reveals a widening gap between what people expect from their benefits and what employers are offering. So how should HR and benefits leaders respond? Join Take Command, Oscar, and an independent analyst from KFF for a candid, panel-style conversation that turns the 2026 State of Employee Benefits research into actionable design choices for HR leaders, benefits managers, and broker consultants navigating cost pressure and rising employee expectations.

Discussion points Why the industry's focus on "Speed to Doctor" often leads employees back into fragmented care experiences How continuous primary care relationships lead to earlier intervention What employers should evaluate beyond access and utilization metrics How to identify when benefits are functioning as a "referral hub" that drives unmanaged specialty spend Why care quality will become the next frontier in employer health strategy

You'll learn: How to assess which of the five approaches align best with your organization's cost drivers and workforce needs What it takes to implement each approach, including required resources, stakeholders, and timing considerations When you can expect to realize savings and how to plan for both near- and longer-term impact How to define and track the right success measures to validate outcomes and support ongoing decision-making

What your members are actually experiencing in hospital and outpatient infusion settings today, and the friction points that lead to treatment adherence issues What dedicated care coordination actually involves — from the first member call through ongoing support — and what that means for treatment adherence and member experience How home infusion safety actually works in practice: home-readiness assessments, emergency medications, nurse training, and real-time escalation protocols A first-person account of what continuity of care looks like in practice: same nurse, every infusion Language you can use with members and internal stakeholders to explain home-based infusion care accurately and confidently

As employers expand their approach to women's health, many are discovering that coaching and navigation solutions are falling short of delivering meaningful outcomes. Resources and coaching without access to medical intervention are no longer enough. Today's workforce expects integrated, clinically-backed care that addresses the full spectrum of women's and children's healthcare needs, from preventive care to complex, ongoing condition management. This panel will explore how leading brokers and organizations are moving beyond fragmented point solutions to build cohesive healthcare ecosystems. Panelists will share how they are redefining decision criteria and setting the bar for solutions that improve healthcare outcomes. This framework can scale from women's and children's health to behavioral care, MSK, and more – cutting through point solution noise, simplifying the employee experience, and demonstrating measurable impact on employee health, engagement, and satisfaction. Key Talking Points for Panelists: How SME divisions are evaluating the benefits landscape today Applying employer and employee feedback to shape procurement strategies Navigating the main pain points in women's health Differentiating clinical care from content-driven offerings Defining the gold standard for measuring performance and impact Aligning pricing models to employee health outcomes