Protect Earning Capacity. Strengthen Culture. Safeguard the Bottom Line.

1. The Unspoken Risk Draining Self-Funded Employers

Musculoskeletal and movement-related disorders (MSDs, MSDs and NMSDs) are the #1 cost driver in employer health plans—outpacing cardiac disease, cancer, and diabetes combined. They quietly erode what matters most: functional capacity, profitability, and trust.

  • MSDs account for 20–30 % of all employer health spend, and the total business cost—including absenteeism and productivity loss—averages $2–4 million per 1,000 employees each year.
  • Every delay in functional recovery increases cost and disability risk exponentially.
  • Inflation, workforce aging, and post-pandemic deconditioning are amplifying both frequency and severity of MSD claims.

Now the environment is shifting again—fast.

2. The 2026 Inflection Point: ACA Premiums, Access, and Offsets

The 2026 plan year will bring the steepest coverage-cost surge in a decade.

  • Benchmark ACA plan premiums are rising 26 % on average nationwide.
  • If enhanced federal premium tax credits expire as projected, out-of-pocket costs for covered lives will more than double (↑ 114 %).
  • Employers already subsidizing family coverage will face new pressure to absorb higher contributions or risk workforce attrition.
  • Self-funded plans will see direct exposure to medical inflation—especially for musculoskeletal care, imaging, orthopedics, and pain management.
  • Access constraints and delayed treatment will cascade into chronic pain, disability, and morale erosion.

In short: the cost curve is accelerating, and traditional containment levers (carrier negotiation, network steering, plan redesign) won’t be enough. Decision time for 2026 is now.

3. The Opportunity: Savings That Start Day One

Solveglobal delivers immediate and compounding savings by attacking the root cause of functional cost—not just the symptoms.

  • Direct ROI: Self-funded employers typically reclaim 30–50 % of avoidable MSD spend beginning in the first quarter of implementation.
  • Indirect ROI: Restored capacity and reduced lost time raise EBITDA, improving enterprise value by $8–13 million per 1,000 employees.
  • Cash-flow effect: Savings begin day one because every claim avoided, every restriction shortened, and every surgery prevented is money kept in your fund—not the carrier’s.

When premiums, offsets, and out-of-pocket costs all climb simultaneously, the only winning strategy is functional cost prevention.

4. The Solveglobal Advantage

Conventional Approach

  • Reactive, claim-driven medical care
  • Fragmented vendor programs
  • Focus on treatment codes
  • Lagging metrics
  • Rising costs, stagnant outcomes

Solveglobal Approach

  • Proactive, function-first prevention
  • Unified, fiduciary-grade framework
  • Focus on capability and earning capacity
  • Leading functional indicators
  • Declining costs, measurable performance gains

Solveglobal’s proprietary Biokinexus® Science unifies predictive neuroscience, functional movement analytics, and behavioral engagement to detect and resolve dysfunction before it becomes a claim. Our system identifies risk early, restores function efficiently, and turns health cost into business performance.

5. Strategic Rationale

Financial

  • Offsets ACA inflation and premium escalation by cutting the largest single cost driver: MSDs.
  • Stabilizes self-funded reserves, reducing volatility in 2026 and beyond.
  • Demonstrates fiduciary responsibility for plan stewardship.

Competitive

  • Improves workforce reliability, retention, and resilience.
  • Builds employer reputation as a protector of people and performance.
  • Differentiates your total-rewards strategy when others are cutting benefits.

Cultural

  • Reinforces trust and loyalty through visible care for employees’ capacity and well-being.
  • Enhances engagement and morale amid economic pressure.
  • Converts reactive “benefits” into proactive human-capital investment.

6. The Competitive Edge You Can’t Afford to Miss

Every other cost-containment tactic reacts to price increases after the fact. Solveglobal prevents them from occurring in the first place.

Your competitors will spend 2026 explaining why their premiums rose again. You’ll explain how you turned risk into savings, dysfunction into productivity, and care into competitive advantage.

Let’s model your exposure before renewal season locks in another year of rising costs. Solveglobal will benchmark your MSD risk, quantify your immediate recovery potential, and design a tailored solution that delivers ROI, resilience, and retention—starting day one.

Lower health costs. Boost business performance. Protect your people. → Consider the Risk. Explore the Possibility. Start the Conversation.