Our next 2 blogs will be a compact summary of the various ways a business can manage the cost of benefits.  We are often asked about Health Spending Accounts, Flex Benefits, Cost-Plus, and Administrative-Services-Only as alternative ways to manage rising premiums.  This posting explains the most common form of purchasing benefits:  fully insured, with no risk being held by the Employer. How do you craft a benefits plan which will be popular with employees without breaking your budget?  How can…