The costs associated with group benefit plans have escalated in recent years. Worse, there is often a failure to articulate these costs in a manner that is clear and quantifiable. Just think about your next renewal. You will receive a notice with a diagram outlining the current and renewal rates for each of your benefits to arrive at a premium for each one. At the bottom of the diagram, there will be a total of the overall premium adjustments year-over-year, and perhaps a number reflecting the\u00a0 percentage change. Whatever the adjustment is \u2014 small, medium or alarming \u2014 it needs to be considered in the proper context before you react to it. Imagine if your overall adjustment is a jaw-dropping 24% \u2014 enough to make you consider a change. There are two important steps for you to think about first. How does this increase impact your company based on your cost share, and what is the impact to your employees based on their cost share?