{"id":1883,"date":"2026-01-03T12:09:44","date_gmt":"2026-01-03T20:09:44","guid":{"rendered":"https:\/\/immixgroup.ca\/blog\/?p=1883"},"modified":"2026-01-05T10:11:45","modified_gmt":"2026-01-05T18:11:45","slug":"key-conversations-in-employee-benefits","status":"publish","type":"post","link":"https:\/\/immixgroup.ca\/blog\/2026\/01\/03\/key-conversations-in-employee-benefits\/","title":{"rendered":"Key Conversations in Benefits"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1883\" class=\"elementor elementor-1883\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3bf7c0d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3bf7c0d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1633032\" data-id=\"1633032\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-692c696 elementor-widget elementor-widget-heading\" data-id=\"692c696\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><h2><strong>Key Conversations in Employee Benefits<\/strong><\/h2><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0243d01 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0243d01\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-53ff9a6\" data-id=\"53ff9a6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c9dd892 elementor-widget elementor-widget-text-editor\" data-id=\"c9dd892\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><!-- ========================= SHORT AUTHOR BLOCK (Top of post) Lindsay Byrka, CFP\u00ae ========================= --><\/p><p><script type=\"application\/json\" class=\"scrollmeta\">\n{\n  \"blockId\": \"author-lindsay-byrka-short\",\n  \"blockType\": \"author-short\",\n  \"blockRole\": \"trust-signal\",\n  \"title\": \"About the author\",\n  \"entity\": {\n    \"type\": \"Person\",\n    \"name\": \"Lindsay Byrka, CFP\u00ae\",\n    \"role\": \"Vice President, Immix Group\",\n    \"sameAs\": [\"https:\/\/www.linkedin.com\/in\/lindsaybyrka\/\"]\n  },\n  \"speakable\": \"About the author: Lindsay Byrka, CFP, is Vice President at Immix Group and helps employers design and manage group benefits, plus group savings and retirement plans.\"\n}\n<\/script><\/p><section id=\"author-lindsay-byrka\" class=\"immix-author-short\" data-scrollmeta=\"true\" data-scrollmeta-block=\"author-short\" data-scrollmeta-title=\"About the author\" data-ai-summary=\"Lindsay Byrka, CFP\u00ae, is Vice President at the Immix Group. She partners with employers to source and manage group life and health plans, and group savings and retirement plans, working with Canada\u2019s leading insurers to support transparent pricing and flexible plan design.\" aria-label=\"About the author\"><p class=\"immix-author-short__text\" style=\"padding-left: 40px;\"><strong>Lindsay Byrka, CFP\u00ae<\/strong> is Vice President at the Immix Group. She partners with employers to source and manage group life and health plans, and group savings and retirement plans, working with Canada\u2019s leading insurers to support transparent pricing and flexible plan design.<br \/><a class=\"immix-author-short__link\" href=\"https:\/\/www.linkedin.com\/in\/lindsaybyrka\/\" target=\"_blank\" rel=\"noopener noreferrer me\">LinkedIn<\/a><\/p><\/section><p><style>\n  .immix-author-short{<br \/>\n    margin: 1rem 0 1.5rem;<br \/>\n  }<br \/>\n  .immix-author-short__text{<br \/>\n    margin: 0;<br \/>\n    padding: 0.9rem 1rem;<br \/>\n    border: 1px solid rgba(0,0,0,0.10);<br \/>\n    border-left: 4px solid rgba(0,0,0,0.25);<br \/>\n    background: rgba(0,0,0,0.02);<br \/>\n    line-height: 1.6;<br \/>\n  }<br \/>\n  .immix-author-short__link{<br \/>\n    margin-left: 0.4rem;<br \/>\n    text-decoration: underline;<br \/>\n    text-underline-offset: 3px;<br \/>\n    white-space: nowrap;<br \/>\n  }<br \/>\n<\/style><\/p><p><!-- Optional: stable Person entity for AI (safe to include even before your full schema packs) --><br \/><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@graph\": [\n    {\n      \"@type\": \"Organization\",\n      \"@id\": \"https:\/\/www.immixgroup.ca\/#organization\",\n      \"name\": \"Immix Group\",\n      \"url\": \"https:\/\/www.immixgroup.ca\/\"\n    },\n    {\n      \"@type\": \"Person\",\n      \"@id\": \"https:\/\/www.immixgroup.ca\/#lindsay-byrka\",\n      \"name\": \"Lindsay Byrka\",\n      \"honorificSuffix\": \"CFP\u00ae\",\n      \"jobTitle\": \"Vice President\",\n      \"worksFor\": { \"@id\": \"https:\/\/www.immixgroup.ca\/#organization\" },\n      \"sameAs\": [\"https:\/\/www.linkedin.com\/in\/lindsaybyrka\/\"]\n    }\n  ]\n}\n<\/script>As we kick off 2026, we look back at the employee benefits conversations that shaped 2025 in Canada. Based on discussions with employers, carriers, and providers, certain themes stood out \u2014 from wellbeing and women\u2019s health to cost pressures, flexibility, and financial wellness.<\/p><p>This article highlights the top trends and insights that dominated the year, showing how benefits continue to evolve toward more holistic, inclusive, and sustainable solutions for both employees and employers.<\/p><h3><strong>Weight Management as a Chronic Disease<\/strong><\/h3><p>We ended the year talking about <a href=\"https:\/\/immixgroup.ca\/blog\/2025\/11\/30\/inclusive-benefits-weight-management-and-chronic-disease-support\/\">weight-management medications<\/a> \u2014 this was a dominant conversation with clients, advisors, and carriers throughout 2025, and one we expect to continue.<\/p><p>Prescription drugs for weight management were widely discussed by both our supplier partners and clients alike. We fielded questions from plan members asking how to access them and employers seeking guidance on coverage, risk, and long-term sustainability. In Canada, there are <a href=\"https:\/\/immixgroup.ca\/blog\/2025\/11\/30\/inclusive-benefits-weight-management-and-chronic-disease-support\/\">numerous approved weight loss medications available<\/a> including:<\/p><ul><li>Wegovy (semaglutide)<\/li><li>Saxenda (liraglutide)<\/li><li>Mounjaro\/ Zepbound (Tirzepatide)<\/li><li>Contrave (naltrexone\/bupropion)<\/li><li>Xenical (orlistat)<\/li><\/ul><p>But the conversation went far deeper than medications alone. Providers began addressing weight management head-on, <a href=\"https:\/\/ia.ca\/business\/insights\/group-insurance\/obesity?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\">recognizing it as a chronic disease and building supports that<\/a> go well beyond \u201ceat better and move more.\u201d We saw a shift toward full-scope approaches \u2014 integrating clinical programs, nutrition counselling, mental health supports, and long-term behavior management \u2014 acknowledging the complexity and prevalence of this condition. With roughly one in three Canadians affected, it\u2019s no longer viewed as only a lifestyle issue, it\u2019s a medical condition that requires ongoing support and benefits designed accordingly.<\/p><p>At the Immix Group, we\u2019ve been helping employers move towards meaningful, evidence-based support that improves outcomes while managing cost pressures.<\/p><h3><strong>Addressing Women\u2019s Health through Employee Benefits<\/strong><\/h3><p>Women\u2019s health continued to be a defining benefits conversation in 2025. <a href=\"https:\/\/www.benefitscanada.com\/benefits\/health-benefits\/canadian-employers-increasingly-prioritizing-inclusive-benefits-survey\/?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\">Survey data this year<\/a> showed that nearly half of organizations ranked women\u2019s health as a top or high priority in benefits planning, with fertility and reproductive coverage increasingly seen as essential rather than optional.<\/p><p>Employers heard from plan members about gaps in coverage for fertility, reproductive care and mid\u2011life health, and that traditional plans weren\u2019t keeping pace with real needs. Data from a <a href=\"https:\/\/www.benefitsandpensionsmonitor.com\/news\/industry-news\/three-in-four-women-say-benefits-dont-meet-their-health-needs\/392000?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\">2025 RBC Insurance survey<\/a> showed that three\u2011quarters of women say they want or need benefits that specifically support women\u2019s health, including fertility and menopause services, highlighting persistent coverage shortfalls employers can no longer ignore.<\/p><p>In response, carriers and employers began evolving plan design and support. Insurers are expanding access to virtual care, reproductive resources, and wellness programs tailored to women\u2019s needs, while employers are looking beyond core coverage to include supports that span family planning, pregnancy, postpartum care and hormonal health.<\/p><p>At the Immix Group, <a href=\"https:\/\/immixgroup.ca\/blog\/2025\/03\/04\/supporting-women-at-every-stage-how-employee-benefits-can-make-a-difference\/?utm_source=chatgpt.com\">we\u2019ve been encouraging employers to think holistically<\/a> \u2014 integrating creative solutions like health and wellness spending accounts that cover childcare, lactation support, mid\u2011life therapies and mental health practitioners alongside traditional benefits.<\/p><p>We also <a href=\"https:\/\/whri.org\/her-bc\/\" target=\"_blank\" rel=\"noopener\">highlighted the need<\/a> for much stronger support for perimenopause and menopause \u2014 from hormone therapy and medical consultations to mental\u2011health support, menopause\u2011inclusive sick leave, and workplace awareness.<\/p><p>Women make up a large portion of the workforce, and without intentional design, benefit plans risk falling short on equity and effectiveness. By putting women\u2019s health squarely in the center of benefits design, employers can build a more inclusive, supportive, and high\u2011performing workplace for everyone.<\/p><h3><strong>Flexibility, Personalization and Inclusivity in Benefits Plans<\/strong><\/h3><p>Flexibility, personalization, and inclusivity are increasingly a key factor in conversations around employee benefits in Canada. With Millennials (ages 29\u201344) and Gen Z (under 29) now <a href=\"https:\/\/www12.statcan.gc.ca\/census-recensement\/2021\/as-sa\/98-200-x\/2021003\/98-200-x2021003-eng.cfm?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\">representing over 50% of the workforce<\/a>, employees are looking for benefits that feel relevant, adaptable, and reflective of their individual circumstances and life stages.<\/p><p>Employee benefits plans need to support a wide range of needs \u2014 from single young professionals, parents and caregivers, to LGBTQ+ employees and even retirees. While traditional group insurance remains the foundation for many employers, the focus is increasingly on ways to introduce meaningful choice and customization.<\/p><p>Modular or \u201cflex\u201d insurance plans are often discussed, and some products are available in the Canadian market such as the <a href=\"https:\/\/info.equitable.ca\/myflex-how-it-works\" target=\"_blank\" rel=\"noopener\">Equitable Life myFlex plan<\/a>. However, these plans are less common for small and mid-sized employers because they can be costly to implement and complex to administer. Many providers will not offer true flex\/ modular plans for groups under certain size thresholds, often 50\u2013100 lives or more.<\/p><p>In the SMB space, flexibility is more commonly achieved through the inclusion of a Health and Wellness Spending Account <a href=\"https:\/\/immixgroup.ca\/blog\/2021\/07\/13\/hybrid-traditional-flexible-employee-benefits-a-sample-design-for-smbs\/\">to supplement the insured program<\/a>. Health and Wellness Spending Accounts allow employees to use a predetermined annual allocation for the services and supports most important to them, whether that\u2019s fitness, mental health, chronic condition management, or family care. This approach helps direct benefits dollars where they are most needed, increases perceived value, and <a href=\"https:\/\/immixgroup.ca\/blog\/2025\/04\/01\/health-and-wellness-spending-accounts\/\">improves employee satisfaction<\/a>.<\/p><p>For Millennials and Gen Z especially, the desire for meaningful benefits is underscored by a desire for robust digital platforms that allow for intuitive, mobile device claiming and engagement. For employers, the challenge remains delivering comprehensive and inclusive benefits while keeping them cost-effective, sustainable, and manageable \u2014 a balance that is increasingly achievable as flexibility and personalization become central to benefits strategy.<\/p><h2><strong>Balancing Cost Pressures with Coverage Needs<\/strong><\/h2><p>Cost pressures were a frequent and defining theme in benefits conversations throughout 2025, particularly for small and mid-sized businesses. With inflation, wage pressures and rising operating costs continuing to strain budgets, SMB employers became more price sensitive than we\u2019ve seen in recent memory.<\/p><p>Across the industry, we saw increased plan movement driven primarily by pricing \u2014 <a href=\"https:\/\/immixgroup.ca\/blog\/2024\/09\/27\/what-you-need-to-know-when-considering-a-switch-in-employee-benefits-providers\/\">not by service failures or coverage gaps<\/a>. Employers placed greater emphasis on rate stability, predictability and overall value, prompting more frequent plan reviews, marketing of plans, and discussions around alternative carriers and funding approaches. Through these processes, the Immix Group worked closely with employers to identify opportunities to maintain meaningful coverage while managing costs, including implementing thoughtful plan amendments where appropriate.<\/p><p><strong>Our approach remains consistent:<\/strong> a focus on long-term value, cost sustainability, and thoughtful plan design \u2014 not short-term price chasing. Our <a href=\"https:\/\/immixgroup.ca\/blog\/2023\/04\/20\/a-proven-strategy-for-containing-employee-benefit-plan-costs\/\">broker-managed pools<\/a> remain a solid strategy for small and mid-sized employers, offering plan flexibility, cost control, and lower administrative overhead.<\/p><p>Rather than responding to cost pressure by simply reducing coverage, we worked with employers to refine plans strategically: preserving high-value benefits, adjusting underutilized features, and layering in flexible tools such as Health and Wellness Spending Accounts where appropriate. A \u00a0year defined by economic uncertainty and added cost pressure reinforced a principle we\u2019ve long held: well-managed, thoughtful benefit structures \u2014 paired with proactive oversight \u2014 remain the most effective way for SMBs to balance affordability, stability, and employee wellbeing.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5eaf7cd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5eaf7cd\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5107849\" data-id=\"5107849\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ec0aa1 elementor-widget elementor-widget-html\" data-id=\"5ec0aa1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<a href=\"#key-takeaways\">Jump to Key Takeaways<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-42fddaf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"42fddaf\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-127a4f6\" data-id=\"127a4f6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2ff6328 elementor-widget elementor-widget-text-editor\" data-id=\"2ff6328\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><strong>Group Savings Plans to Support Financial Well\u2011Being<\/strong><\/h2><p>While employers focused on managing rising costs, employees simultaneously felt the effects of inflation in their day-to-day lives. In 2025, a prominent benefits conversations centered on <a href=\"https:\/\/immixgroup.ca\/blog\/2024\/10\/31\/financial-well-being-valuable-resources-through-our-partnership-with-ciccone-mckay-financial-group\/\">financial stress<\/a> and how employer Group Savings Programs can help employees to better manage their financial lives. With many Canadians citing personal finances as a leading source of anxiety, employers are looking beyond traditional health coverage to benefits that <a href=\"https:\/\/immixgroup.ca\/blog\/category\/employee-group-savings-plan\/?utm_source=chatgpt.com\">build financial resilience and confidence<\/a>.<\/p><p>Group Savings Plans \u2014 including Group RRSPs, TFSAs and Deferred Profit\u2011Sharing Plans \u2014 are employer\u2011sponsored plans that help employees save systematically in a tax-advantaged way, often with lower fees, optional employer matching and access to professional advice. \u00a0<\/p><p>But this year\u2019s conversation wasn\u2019t just about the savings vehicle itself \u2014 it was about the education and engagement that come with it. In fact, recent Capital Accumulator Plan updates included a greater emphasis on education for plan members, acknowledging that this is central to the success of these programs.<\/p><p>\u00a0Financial stress doesn\u2019t just affect bank accounts; it affects productivity, morale and retention. Reports show that employees experiencing financial stress are more likely to feel less productive, <a href=\"https:\/\/www.talentcanada.ca\/one-quarter-of-employees-report-financial-stress-is-impacting-productivity-at-work\/?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\">and 91% of employees say they\u2019re more committed to employers who offer financial wellness supports<\/a> like Group Savings Plans and on\u2011demand advice.<\/p><p>At the Immix Group, we\u2019ve encouraged employers to treat Group Savings Plans as more than a retirement benefit \u2014 as a financial well-being strategy that includes planning tools, licensed advisors and ongoing education to help people feel <em>in control<\/em> of their money. These plans can help bridge the gap between financial worry and financial confidence, giving employees a clearer path toward goals like home ownership, debt reduction and long\u2011term security.<\/p><h2><strong>AI in Benefits \u2014 Reshaping the Industry<\/strong><\/h2><p>AI has been the headline story across <em>every<\/em> industry this year \u2014 and the benefits world is no exception. Canadian insurers now use AI to detect fraud, automate claims processing, and manage rising plan costs.<\/p><p>Industry groups like the CLHIA (the <a href=\"https:\/\/www.insurancebusinessmag.com\/ca\/news\/breaking-news\/clhia-taps-ai-to-bolster-financial-stability-fight-claims-fraud-537006.aspx?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\"><strong>Canadian Life and Health Insurance Association<\/strong><\/a>, the national trade association for life and health insurers in Canada), are pooling anonymous data and applying AI analytics to catch suspicious patterns faster, helping protect plan affordability.<\/p><p>Insurance providers such as Manulife, Sun Life and Pacific Blue Cross are also using generative AI to interpret receipts, streamline adjudication, and speed up service \u2014 improving accuracy while reducing administrative strain. For employers, the takeaways are positive:<\/p><ul><li><strong>Shared data boosts results.<\/strong> Industry-wide AI analytics catch patterns no single insurer could see alone.<\/li><li><strong>Efficiency is the payoff.<\/strong> Automated document and claim reviews reduce manual work and speed up service.<\/li><li><strong>Governance stays critical.<\/strong> AI needs human oversight, especially in adjudication and pricing decisions.<\/li><li><strong>Tech stacks are shifting.<\/strong> Carriers are investing heavily in AI, making intelligent automation a core part of future benefits administration.<\/li><\/ul><p>As of 2025, AI is already embedded in how benefits plans operate. It\u2019s enhancing efficiency and cost control, and it\u2019s setting the stage for more personalized plan design. While this has been occurring quietly in the background in the benefits landscape, we expect AI integration to become more front and centre as we move into 2026.<\/p><h2><strong>Government Pharmacare Expansions Expected in 2026<\/strong><\/h2><p>Lastly, one of the most notable benefits discussions in 2025 centered on the planned expansions of national pharmacare in Canada. Looking ahead to 2026, these government initiatives mark a positive step toward broader access to essential medications.<\/p><p>In British Columbia, new agreements with the federal government aim to expand public coverage for eligible diabetes medications and supplies, including glucose monitors and test strips as well as hormone replacement therapy (HRT), <a href=\"https:\/\/www2.gov.bc.ca\/gov\/content\/health\/health-drug-coverage\/pharmacare-for-bc-residents\/national-pharmacare\" target=\"_blank\" rel=\"noopener\">with rollout expected early in the year (March\/ April 2026<\/a>).<\/p><p>These changes may be especially significant for small and medium-sized employers, who often face cost pressures in maintaining benefits programs, where drug claims can represent a major portion of claims. By shifting more medications over to public coverage, plan sponsors <a href=\"https:\/\/immixgroup.ca\/blog\/2025\/08\/30\/what-bc-employers-need-to-know-government-health-care-changes\/?utm_source=chatgpt.com\">may see modest relief in spending, <\/a>while employees will gain access to critical medications without out-of-pocket costs \u2014 a tangible step toward reducing healthcare inequities and supporting workforce health.<\/p><p>While the financial impacts may not be large or immediate for employers, this shift represents an early but meaningful move toward more truly universal healthcare in Canada, giving both plan members and employers reason to be cautiously optimistic.<\/p><h2><strong>Looking Ahead: Benefits that Support the Whole Employee <\/strong><\/h2><p>The underlying theme this year has been <em>relevance and inclusivity<\/em>: benefits that meet employees where they are, at every stage of life. Effective benefits go beyond coverage\u2014they support employees\u2019 whole lives, from health and wellbeing to financial security and flexibility.<\/p><p>At the Immix Group, we will continue to help employers take a proactive, thoughtful approach to designing benefit plans that are inclusive, meaningful, and financially sustainable. By focusing on long-term value, personalization, and strategic oversight, benefits can be a true driver of engagement, equity, and organizational resilience in an ever-changing landscape.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ad996cd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ad996cd\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b5b61be\" data-id=\"b5b61be\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e17e6d6 elementor-widget elementor-widget-html\" data-id=\"e17e6d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- ScrollMeta (section) -->\n<script type=\"application\/json\" class=\"scrollmeta\">\n{\n  \"blockId\": \"key-takeaways\",\n  \"blockType\": \"key-takeaways\",\n  \"blockRole\": \"blog-summary\",\n  \"title\": \"Key Takeaways\",\n  \"intent\": \"fast-scan\",\n  \"audience\": [\"Canadian employers\", \"HR leaders\", \"benefits decision makers\"],\n  \"primaryTopic\": \"Employee benefits trends: inclusive coverage, cost control, and policy\/technology shifts\",\n  \"speakable\": \"Key takeaways: Benefits are becoming more holistic and inclusive, cost control still matters, and AI plus pharmacare changes are reshaping plans.\",\n  \"cta\": {\n    \"goal\": \"contact\",\n    \"url\": \"https:\/\/immixgroup.ca\/contact\/\",\n    \"label\": \"Contact Immix Group\"\n  }\n}\n<\/script>\n<section id=\"key-takeaways\" data-ai-summary=\"Benefits are becoming more holistic and inclusive, cost oversight remains essential, and AI plus pharmacare changes are reshaping plan sustainability.\">\n\n<section\n  id=\"key-takeaways\"\n  class=\"immix-key-takeaways\"\n  data-scrollmeta=\"true\"\n  data-scrollmeta-title=\"Key Takeaways\"\n  data-scrollmeta-intent=\"fast-scan\"\n  data-scrollmeta-block=\"key-takeaways\"\n>\n  <div class=\"immix-key-takeaways__inner\">\n    <h2 class=\"immix-key-takeaways__title\">Key Takeaways<\/h2>\n\n    <!-- Speakable micro-summary (kept short on purpose) -->\n    <p class=\"immix-key-takeaways__speakable\">\n      Benefits are getting more holistic and inclusive, cost oversight remains essential, and AI plus policy changes are reshaping plan sustainability.\n    <\/p>\n\n    <div class=\"immix-key-takeaways__items\" role=\"list\">\n      <p class=\"immix-key-takeaways__item\" role=\"listitem\">\n        <strong>Holistic and Inclusive Benefits Are Gaining Priority<\/strong>\n        <span class=\"immix-key-takeaways__dash\" aria-hidden=\"true\"> \u2013 <\/span>\n        Guided by advisors, employers are increasingly designing benefits that go beyond traditional health coverage, addressing weight management as a chronic disease, women\u2019s health, financial wellness, and life-stage needs. Flexibility, personalization, and inclusivity are central to meeting diverse employee needs.\n      <\/p>\n\n      <p class=\"immix-key-takeaways__item\" role=\"listitem\">\n        <strong>Cost Management and Strategic Oversight Remain Crucial<\/strong>\n        <span class=\"immix-key-takeaways__dash\" aria-hidden=\"true\"> \u2013 <\/span>\n        Small and mid-sized employers are balancing rising cost pressures with maintaining meaningful coverage. Including strategies like flexible Health and Wellness Spending Accounts helps sustain comprehensive benefits while controlling costs.\n      <\/p>\n\n      <p class=\"immix-key-takeaways__item\" role=\"listitem\">\n        <strong>Technology and Policy Changes Are Reshaping Benefits<\/strong>\n        <span class=\"immix-key-takeaways__dash\" aria-hidden=\"true\"> \u2013 <\/span>\n        AI is quietly improving efficiency, fraud detection, and claims processing, while government pharmacare expansions promise broader access to essential medications. Together, these trends support long-term plan sustainability and equitable employee access.\n      <\/p>\n    <\/div>\n  <\/div>\n<\/section>\n\n<style>\n  \/* Key Takeaways block: clean, blog-native, readable, and consistent with Immix post styling *\/\n  .immix-key-takeaways {\n    margin: 1.75rem 0;\n  }\n\n  .immix-key-takeaways__inner {\n    padding: 1.25rem 1.25rem 1.1rem;\n    border: 1px solid rgba(0,0,0,0.10);\n    border-left: 4px solid rgba(0,0,0,0.25);\n    background: rgba(0,0,0,0.02);\n  }\n\n  .immix-key-takeaways__title {\n    margin: 0 0 0.75rem;\n    font-size: 1.25rem;\n    line-height: 1.25;\n  }\n\n  \/* Keep this short and scannable *\/\n  .immix-key-takeaways__speakable {\n    margin: 0 0 0.9rem;\n    font-size: 1rem;\n    line-height: 1.55;\n  }\n\n  .immix-key-takeaways__items {\n    margin: 0;\n  }\n\n  .immix-key-takeaways__item {\n    margin: 0 0 0.85rem;\n    line-height: 1.6;\n  }\n\n  .immix-key-takeaways__item:last-child {\n    margin-bottom: 0;\n  }\n\n  .immix-key-takeaways__dash {\n    white-space: nowrap;\n  }\n\n  \/* Optional: tighter spacing on smaller screens *\/\n  @media (max-width: 600px) {\n    .immix-key-takeaways__inner {\n      padding: 1.05rem;\n    }\n    .immix-key-takeaways__title {\n      font-size: 1.15rem;\n    }\n  }\n<\/style>\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e4f8874 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e4f8874\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d2aa104\" data-id=\"d2aa104\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-13a0980 elementor-widget elementor-widget-html\" data-id=\"13a0980\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- =========================\n     FAQs + Read More (Immix Blog)\n     Styled to match clean, modern post layout\n     Includes ScrollMeta\n     ========================= -->\n\n<!-- ScrollMeta (FAQ block) -->\n<script type=\"application\/json\" class=\"scrollmeta\">\n{\n  \"blockId\": \"faqs\",\n  \"blockType\": \"faq\",\n  \"blockRole\": \"answer-engine\",\n  \"title\": \"FAQs\",\n  \"intent\": \"quick-answers\",\n  \"audience\": [\"Canadian employers\", \"HR leaders\", \"benefits decision makers\"],\n  \"speakable\": \"FAQs: 2025 benefits conversations focused on chronic disease support, women\u2019s health, flexible plan design, cost pressures, financial wellness, AI in benefits, and pharmacare expansions.\",\n  \"cta\": {\n    \"goal\": \"read-more\",\n    \"anchor\": \"#read-more\",\n    \"label\": \"Read more sources\"\n  }\n}\n<\/script>\n\n<section id=\"faqs\" class=\"immix-faq\" data-scrollmeta=\"true\" data-scrollmeta-block=\"faq\" data-scrollmeta-title=\"FAQs\" aria-label=\"Frequently asked questions\">\n  <div class=\"immix-faq__inner\">\n    <header class=\"immix-faq__header\">\n      <h2 class=\"immix-faq__title\">FAQs<\/h2>\n      <p class=\"immix-faq__intro\">\n        Quick answers to the questions employers and HR teams asked most often in 2025.\n      <\/p>\n    <\/header>\n\n    <div class=\"immix-faq__list\" role=\"list\">\n      <details class=\"immix-faq__item\" role=\"listitem\">\n        <summary class=\"immix-faq__q\">\n          <span class=\"immix-faq__qtext\">1) What defined employee benefits conversations in Canada in 2025?<\/span>\n          <span class=\"immix-faq__icon\" aria-hidden=\"true\"><\/span>\n        <\/summary>\n        <div class=\"immix-faq__a\">\n          Key themes included weight management as a chronic disease, women\u2019s health, flexibility and personalization, cost pressures, financial wellness, AI in benefits, and upcoming pharmacare expansions.\n        <\/div>\n      <\/details>\n\n      <details class=\"immix-faq__item\" role=\"listitem\">\n        <summary class=\"immix-faq__q\">\n          <span class=\"immix-faq__qtext\">2) Why has weight management become such a focus in benefits plans?<\/span>\n          <span class=\"immix-faq__icon\" aria-hidden=\"true\"><\/span>\n        <\/summary>\n        <div class=\"immix-faq__a\">\n          Obesity recognized as a prevalent, chronic medical condition has driven demand for coverage that goes beyond medication to include long-term, integrated support.\n        <\/div>\n      <\/details>\n\n      <details class=\"immix-faq__item\" role=\"listitem\">\n        <summary class=\"immix-faq__q\">\n          <span class=\"immix-faq__qtext\">3) How are insurers and employers responding to gaps in women\u2019s health benefits?<\/span>\n          <span class=\"immix-faq__icon\" aria-hidden=\"true\"><\/span>\n        <\/summary>\n        <div class=\"immix-faq__a\">\n          Plans are expanding to better support fertility, reproductive health, pregnancy, and menopause through virtual care, wellness programs, and flexible spending options.\n        <\/div>\n      <\/details>\n\n      <details class=\"immix-faq__item\" role=\"listitem\">\n        <summary class=\"immix-faq__q\">\n          <span class=\"immix-faq__qtext\">4) How are small and mid-sized employers balancing cost pressures?<\/span>\n          <span class=\"immix-faq__icon\" aria-hidden=\"true\"><\/span>\n        <\/summary>\n        <div class=\"immix-faq__a\">\n          Employers and advisors marketed programs frequently through 2025, working closely with advisors to test the market, and to explore strategic plan design, funding methods, and flexible tools like Health and Wellness Spending Accounts.\n        <\/div>\n      <\/details>\n\n      <details class=\"immix-faq__item\" role=\"listitem\">\n        <summary class=\"immix-faq__q\">\n          <span class=\"immix-faq__qtext\">5) How are Group Savings Plans supporting employees?<\/span>\n          <span class=\"immix-faq__icon\" aria-hidden=\"true\"><\/span>\n        <\/summary>\n        <div class=\"immix-faq__a\">\n          Group Savings Plans are being used to reduce financial stress, offering tax-advantaged savings, education, and access to advisors to help employees manage their money and build financial confidence.\n        <\/div>\n      <\/details>\n\n      <details class=\"immix-faq__item\" role=\"listitem\">\n        <summary class=\"immix-faq__q\">\n          <span class=\"immix-faq__qtext\">6) How is AI reshaping benefits administration?<\/span>\n          <span class=\"immix-faq__icon\" aria-hidden=\"true\"><\/span>\n        <\/summary>\n        <div class=\"immix-faq__a\">\n          AI is improving efficiency, automating claims, detecting fraud, and helping manage costs, enabling more accurate, personalized, and sustainable benefits plans.\n        <\/div>\n      <\/details>\n    <\/div>\n\n  \n    <\/div>\n<\/section>\n\n<style>\n  \/* FAQ block: elegant, minimal, fast to scan *\/\n  .immix-faq{ margin: 2.25rem 0; }\n  .immix-faq__inner{\n    border: 1px solid rgba(0,0,0,0.10);\n    border-left: 4px solid rgba(0,0,0,0.25);\n    \n    padding: 1.25rem;\n  }\n  .immix-faq__header{ margin: 0 0 1rem; }\n  .immix-faq__title{\n    margin: 0 0 0.35rem;\n    font-size: 1.25rem;\n    line-height: 1.25;\n    letter-spacing: 0.2px;\n  }\n  .immix-faq__intro{\n    margin: 0;\n    opacity: 0.85;\n    line-height: 1.55;\n  }\n\n  .immix-faq__list{ margin: 0; }\n\n  .immix-faq__item{\n    border-top: 1px solid rgba(0,0,0,0.10);\n    padding: 0.2rem 0;\n  }\n  .immix-faq__item:first-child{ border-top: 0; }\n\n  .immix-faq__q{\n    cursor: pointer;\n    list-style: none;\n    display: grid;\n    grid-template-columns: 1fr auto;\n    gap: 0.75rem;\n    align-items: center;\n    padding: 0.85rem 0;\n    font-weight: 600;\n    line-height: 1.4;\n  }\n  .immix-faq__q::-webkit-details-marker{ display:none; }\n\n  .immix-faq__icon{\n    width: 34px;\n    height: 34px;\n    border: 1px solid rgba(0,0,0,0.12);\n    border-radius: 999px;\n    position: relative;\n    flex: 0 0 auto;\n    background: rgba(255,255,255,0.6);\n  }\n  .immix-faq__icon::before,\n  .immix-faq__icon::after{\n    content: \"\";\n    position: absolute;\n    inset: 0;\n    margin: auto;\n    width: 14px;\n    height: 2px;\n    background: rgba(0,0,0,0.55);\n  }\n  .immix-faq__icon::after{\n    width: 2px;\n    height: 14px;\n  }\n\n  details[open] .immix-faq__icon::after{ display:none; }\n\n  .immix-faq__a{\n    padding: 0 0 0.95rem;\n    line-height: 1.65;\n    opacity: 0.95;\n  }\n\n  .immix-faq__readmore{\n    margin-top: 1.35rem;\n    padding-top: 1.15rem;\n    border-top: 1px solid rgba(0,0,0,0.10);\n  }\n  .immix-faq__readmore-title{\n    margin: 0 0 0.75rem;\n    font-size: 1.05rem;\n    line-height: 1.35;\n  }\n  .immix-faq__sources{\n    margin: 0;\n    padding-left: 1.15rem;\n    line-height: 1.6;\n  }\n  .immix-faq__sources li{ margin: 0.35rem 0; }\n  .immix-faq__sources a{\n    text-decoration: underline;\n    text-underline-offset: 3px;\n    word-break: break-word;\n  }\n  .immix-faq__note{\n    margin: 0.85rem 0 0;\n    opacity: 0.8;\n    line-height: 1.55;\n  }\n\n  @media (max-width: 600px){\n    .immix-faq__inner{ padding: 1.05rem; }\n    .immix-faq__q{ padding: 0.75rem 0; }\n    .immix-faq__icon{ width: 32px; height: 32px; }\n  }\n<\/style>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-88902db elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"88902db\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e50de86\" data-id=\"e50de86\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-68d35b9 elementor-widget elementor-widget-html\" data-id=\"68d35b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- Immix Group - Read More (Reference Hub) -->\n<section\n  id=\"read-more\"\n  class=\"immix-readmore\"\n  data-scrollmeta='{\n    \"sectionId\":\"read-more\",\n    \"sectionName\":\"Read More\",\n    \"type\":\"ReferenceHub\",\n    \"intent\":\"Citations + deeper reading\",\n    \"audience\":\"Canadian employers, HR leaders, plan sponsors\",\n    \"entities\":[\"Immix Group\",\"employee benefits\",\"group benefits\",\"group savings\",\"pharmacare\",\"women\u2019s health\",\"weight management\",\"AI in insurance\"],\n    \"signals\":[\"descriptive-anchor-text\",\"source-summaries\",\"internal-external-mix\"],\n    \"version\":\"1.1\"\n  }'\n>\n  <div class=\"immix-readmore__wrap\">\n    <header class=\"immix-readmore__header\">\n      <h2 class=\"immix-readmore__title\">Read More<\/h2>\n      <p class=\"immix-readmore__sub\">Primary sources and Immix explainers referenced in this article.<\/p>\n    <\/header>\n\n    <ul class=\"immix-readmore__list\" role=\"list\">\n      <!-- External sources -->\n      <li class=\"immix-readmore__item\">\n        <a class=\"immix-readmore__link\" href=\"https:\/\/www.benefitscanada.com\/benefits\/health-benefits\/canadian-employers-increasingly-prioritizing-inclusive-benefits-survey\/\" target=\"_blank\" rel=\"noopener noreferrer\">\n          Canadian employers increasingly prioritizing inclusive benefits: survey (Benefits Canada)\n        <\/a>\n        <p class=\"immix-readmore__summary\">\n          Highlights survey findings showing Canadian employers are putting more emphasis on inclusive benefits, with growing attention to evolving health and wellbeing needs.\n        <\/p>\n      <\/li>\n\n      <li class=\"immix-readmore__item\">\n        <a class=\"immix-readmore__link\" href=\"https:\/\/www.insurancebusinessmag.com\/ca\/news\/breaking-news\/manulife-ranks-highest-among-life-insurers-for-ai-maturity-in-inaugural-index-540466.aspx\" target=\"_blank\" rel=\"noopener noreferrer\">\n          Manulife ranks highest among life insurers for AI maturity in inaugural index (Insurance Business)\n        <\/a>\n        <p class=\"immix-readmore__summary\">\n          Reports on an AI maturity index that ranks Manulife highest among life insurers, reflecting how AI capability is becoming a competitive differentiator.\n        <\/p>\n      <\/li>\n\n      <li class=\"immix-readmore__item\">\n        <a class=\"immix-readmore__link\" href=\"https:\/\/www.insurancebusinessmag.com\/ca\/news\/breaking-news\/clhia-taps-ai-to-bolster-financial-stability-fight-claims-fraud-537006.aspx\" target=\"_blank\" rel=\"noopener noreferrer\">\n          CLHIA taps AI to bolster financial stability, fight claims fraud (Insurance Business)\n        <\/a>\n        <p class=\"immix-readmore__summary\">\n          Covers how CLHIA is using AI to strengthen financial stability and help detect claims fraud, signalling faster modernization across the benefits industry.\n        <\/p>\n      <\/li>\n\n      <li class=\"immix-readmore__item\">\n        <a class=\"immix-readmore__link\" href=\"https:\/\/www.benefitsandpensionsmonitor.com\/news\/industry-news\/three-in-four-women-say-benefits-dont-meet-their-health-needs\/392000\" target=\"_blank\" rel=\"noopener noreferrer\">\n          Three in four women say benefits don\u2019t meet their health needs (Benefits and Pensions Monitor)\n        <\/a>\n        <p class=\"immix-readmore__summary\">\n          Summarizes survey results suggesting many women feel workplace benefits do not fully meet their health needs, reinforcing demand for stronger life-stage support.\n        <\/p>\n      <\/li>\n\n      <li class=\"immix-readmore__item\">\n        <a class=\"immix-readmore__link\" href=\"https:\/\/www.canada.ca\/en\/health-canada\/news\/2025\/03\/government-of-canada-signs-pharmacare-agreement-with-british-columbia-to-improve-universal-access-to-free-medications.html\" target=\"_blank\" rel=\"noopener noreferrer\">\n          Government of Canada signs pharmacare agreement with British Columbia to improve universal access to free medications (Canada.ca)\n        <\/a>\n        <p class=\"immix-readmore__summary\">\n          Announces a federal\u2013BC pharmacare agreement aimed at improving access to key medications and supplies, including diabetes and contraception coverage.\n        <\/p>\n      <\/li>\n\n      <li class=\"immix-readmore__item\">\n        <a class=\"immix-readmore__link\" href=\"https:\/\/www12.statcan.gc.ca\/census-recensement\/2021\/as-sa\/98-200-x\/2021003\/98-200-x2021003-eng.cfm\" target=\"_blank\" rel=\"noopener noreferrer\">\n          A generational portrait of Canada\u2019s aging population from the 2021 Census (Statistics Canada)\n        <\/a>\n        <p class=\"immix-readmore__summary\">\n          Explains how Canada\u2019s population is shifting by generation, helping employers anticipate changing workforce needs and plan design priorities.\n        <\/p>\n      <\/li>\n\n      <li class=\"immix-readmore__item\">\n        <a class=\"immix-readmore__link\" href=\"https:\/\/www.equitable.ca\/en\/advisors\/attachments\/myflex-brochure---how-it-works.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">\n          myFlex \u2013 How it works (Equitable Life brochure PDF)\n        <\/a>\n        <p class=\"immix-readmore__summary\">\n          A practical overview of how a flexible benefits platform is structured and how members typically experience enrolment, choices, and ongoing use.\n        <\/p>\n      <\/li>\n\n      <li class=\"immix-readmore__item\">\n        <a class=\"immix-readmore__link\" href=\"https:\/\/files.ia.ca\/-\/media\/files\/iweb\/com\/group\/pdf\/f54-1083a_managing_obesity.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">\n          Managing obesity: a shared commitment (PDF)\n        <\/a>\n        <p class=\"immix-readmore__summary\">\n          Frames obesity as a chronic condition and outlines why long-term, coordinated support matters for health outcomes and plan sustainability.\n        <\/p>\n      <\/li>\n\n      <li class=\"immix-readmore__item\">\n        <a class=\"immix-readmore__link\" href=\"https:\/\/whri.org\/our-initiatives\/her-bc\/\" target=\"_blank\" rel=\"noopener noreferrer\">\n          HER-BC: Health and Economics Research on Midlife Women in BC (Women\u2019s Health Research Institute)\n        <\/a>\n        <p class=\"immix-readmore__summary\">\n          Presents research on menopause-related transitions in BC, including barriers to care and impacts on work and daily living, with access to the HER-BC report.\n        <\/p>\n      <\/li>\n\n      <!-- Immix internal explainers -->\n      <li class=\"immix-readmore__item\">\n        <a class=\"immix-readmore__link\" href=\"https:\/\/immixgroup.ca\/blog\/2025\/03\/04\/supporting-women-at-every-stage-how-employee-benefits-can-make-a-difference\/\" target=\"_blank\" rel=\"noopener noreferrer\">\n          Supporting Women at Every Stage: How Employee Benefits Can Make a Difference (Immix Group)\n        <\/a>\n        <p class=\"immix-readmore__summary\">\n          An Immix explainer on strengthening support across fertility, pregnancy, menopause, and other life stages through plan design and flexible tools.\n        <\/p>\n      <\/li>\n\n      <li class=\"immix-readmore__item\">\n        <a class=\"immix-readmore__link\" href=\"https:\/\/immixgroup.ca\/blog\/2025\/04\/01\/health-and-wellness-spending-accounts\/\" target=\"_blank\" rel=\"noopener noreferrer\">\n          Your Benefits, Your Way: The \u201c101\u201d on Health and Wellness Spending Accounts (Immix Group)\n        <\/a>\n        <p class=\"immix-readmore__summary\">\n          A plain-language guide to how Health and Wellness Spending Accounts work in Canada, and why employers use them for flexibility and predictable budgeting.\n        <\/p>\n      <\/li>\n\n      <li class=\"immix-readmore__item\">\n        <a class=\"immix-readmore__link\" href=\"https:\/\/immixgroup.ca\/blog\/2021\/07\/13\/hybrid-traditional-flexible-employee-benefits-a-sample-design-for-smbs\/\" target=\"_blank\" rel=\"noopener noreferrer\">\n          Hybrid Traditional + Flexible Employee Benefits: A Sample Design for SMBs (Immix Group)\n        <\/a>\n        <p class=\"immix-readmore__summary\">\n          Walks through an SMB-friendly design that pairs insured coverage with spending accounts to balance protection, flexibility, and cost control.\n        <\/p>\n      <\/li>\n\n      <li class=\"immix-readmore__item\">\n        <a class=\"immix-readmore__link\" href=\"https:\/\/immixgroup.ca\/blog\/2024\/10\/31\/financial-well-being-valuable-resources-through-our-partnership-with-ciccone-mckay-financial-group\/\" target=\"_blank\" rel=\"noopener noreferrer\">\n          Financial Well-being: Valuable Resources through our Partnership with Ciccone McKay Financial Group (Immix Group)\n        <\/a>\n        <p class=\"immix-readmore__summary\">\n          Shares financial wellness resources and education options that can reduce employee stress and support better day-to-day decision-making.\n        <\/p>\n      <\/li>\n    <\/ul>\n  <\/div>\n<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4058530 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4058530\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-37e546a\" data-id=\"37e546a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-434d326 elementor-widget elementor-widget-global elementor-global-230 elementor-widget-image\" data-id=\"434d326\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"640\" height=\"960\" src=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx-683x1024.avif\" class=\"attachment-large size-large wp-image-1957\" alt=\"Lindsay Byrka\" srcset=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx-683x1024.avif 683w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx-200x300.avif 200w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx-768x1152.avif 768w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx.avif 1000w\" sizes=\"(max-width: 640px) 100vw, 640px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-e3028d2\" data-id=\"e3028d2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-309d372 elementor-widget elementor-widget-global elementor-global-233 elementor-widget-text-editor\" data-id=\"309d372\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span class=\"cert\"><a id=\"ember1416\" class=\"active ember-view pv-verified-info-modal__vieweetitle\" href=\"https:\/\/www.linkedin.com\/in\/lindsaybyrka\/?lipi=urn%3Ali%3Apage%3Ad_flagship3_profile_verification_details%3B%2BiISPezIQvaydOw%2F7NcoTA%3D%3D\" data-ntt-old-href=\"\/in\/lindsaybyrka\/\" data-artdeco-is-focused=\"true\" target=\"_blank\" rel=\"noopener\">Lindsay Byrka, CFP\u00ae<\/a> BA, BEd<\/span><\/h3><p>Vice President, Immix Group: An Employee Benefits Company<br \/><strong>A<\/strong>\u00a0<a href=\"https:\/\/www.google.com\/maps\/embed?pb=!1m18!1m12!1m3!1d2602.5699178039927!2d-123.12053598382099!3d49.28454617855886!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x54867181f97930d5%3A0x9797e526e8704198!2s888%20Dunsmuir%20St%20%23450%2C%20Vancouver%2C%20BC%20V6C%203K4!5e0!3m2!1sen!2sca!4v1583124389424!5m2!1sen!2sca\" target=\"new\" rel=\"noopener\">Suite 450 &#8211; 888 Dunsmuir St. Vancouver V6C 3K4<\/a><br \/><strong>O<\/strong>\u00a0 <a href=\"tel:6046885262\">604-688-5262<\/a><strong>\u00a0<\/strong><\/p><p><strong>E<\/strong>\u00a0<a href=\"mailto:lindsay@immixgroup.ca\">lindsay@immixgroup.ca<\/a><br \/><strong>W<\/strong>\u00a0<a href=\"http:\/\/www.immixgroup.ca\/\">www.immixgroup.ca<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0750d51 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0750d51\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7e7d5c3\" data-id=\"7e7d5c3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ce5e296 elementor-share-buttons--view-icon-text elementor-share-buttons--skin-gradient elementor-share-buttons--shape-square elementor-grid-0 elementor-share-buttons--color-official elementor-widget elementor-widget-share-buttons\" data-id=\"ce5e296\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_facebook\" role=\"button\" tabindex=\"0\" aria-label=\"Share on facebook\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-facebook\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-share-btn__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__title\">\n\t\t\t\t\t\t\t\t\t\tFacebook\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_twitter\" role=\"button\" tabindex=\"0\" aria-label=\"Share on twitter\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-twitter\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-share-btn__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__title\">\n\t\t\t\t\t\t\t\t\t\tTwitter\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_linkedin\" role=\"button\" tabindex=\"0\" aria-label=\"Share on linkedin\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-linkedin\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-share-btn__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__title\">\n\t\t\t\t\t\t\t\t\t\tLinkedIn\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9663dd6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9663dd6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4ec4ac6\" data-id=\"4ec4ac6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1af0f18 elementor-post-navigation-borders-yes elementor-widget elementor-widget-post-navigation\" data-id=\"1af0f18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-navigation.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-post-navigation\" role=\"navigation\" aria-label=\"Post Navigation\">\n\t\t\t<div class=\"elementor-post-navigation__prev elementor-post-navigation__link\">\n\t\t\t\t<a href=\"https:\/\/immixgroup.ca\/blog\/2025\/11\/30\/inclusive-benefits-weight-management-and-chronic-disease-support\/\" rel=\"prev\"><span class=\"post-navigation__arrow-wrapper post-navigation__arrow-prev\"><i aria-hidden=\"true\" class=\"fas fa-angle-left\"><\/i><span class=\"elementor-screen-only\">Prev<\/span><\/span><span class=\"elementor-post-navigation__link__prev\"><span class=\"post-navigation__prev--label\">Previous<\/span><span class=\"post-navigation__prev--title\">Inclusive Benefits: Weight Management and Chronic Disease Support<\/span><\/span><\/a>\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-post-navigation__separator-wrapper\">\n\t\t\t\t\t<div class=\"elementor-post-navigation__separator\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-post-navigation__next elementor-post-navigation__link\">\n\t\t\t\t<a href=\"https:\/\/immixgroup.ca\/blog\/2026\/02\/01\/group-savings-plans\/\" rel=\"next\"><span class=\"elementor-post-navigation__link__next\"><span class=\"post-navigation__next--label\">Next<\/span><span class=\"post-navigation__next--title\">Group Savings Plans<\/span><\/span><span class=\"post-navigation__arrow-wrapper post-navigation__arrow-next\"><i aria-hidden=\"true\" class=\"fas fa-angle-right\"><\/i><span class=\"elementor-screen-only\">Next<\/span><\/span><\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2b1570d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2b1570d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-84965d1\" data-id=\"84965d1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5c03bbe elementor-widget elementor-widget-heading\" data-id=\"5c03bbe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Latest Insights<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-828a827 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"828a827\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-986219f\" data-id=\"986219f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-18c26e0 elementor-grid-1 elementor-posts--thumbnail-none elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-card-shadow-yes elementor-posts__hover-gradient elementor-widget elementor-widget-posts\" data-id=\"18c26e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;cards_columns&quot;:&quot;1&quot;,&quot;pagination_type&quot;:&quot;numbers_and_prev_next&quot;,&quot;cards_columns_tablet&quot;:&quot;2&quot;,&quot;cards_columns_mobile&quot;:&quot;1&quot;,&quot;cards_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:35,&quot;sizes&quot;:[]},&quot;cards_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;cards_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-cards elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-1543 post type-post status-publish format-standard has-post-thumbnail hentry category-emloyee-benefits category-employee-benefits-plans category-employee-group-savings-plan tag-benefits-customization tag-broker-managed-benefits-pool tag-cost-containment-strategies tag-employee-benefits tag-employee-financial-health tag-employee-well-being tag-employer-sponsored-benefits tag-financial-education tag-financial-literacy tag-financial-literacy-workshops tag-financial-wellness tag-group-benefits-plans tag-group-savings-programs tag-immix-group tag-innovative-benefits-pricing tag-tailored-benefits-solutions tag-vancouver-employee-benefits tag-workforce-productivity tag-workplace-financial-health\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/immixgroup.ca\/blog\/2024\/12\/01\/your-one-stop-guide-exploring-key-themes-in-employee-benefits\/\">\n\t\t\t\tYour One-Stop Guide: Exploring Key Themes in Employee Benefits\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>A Guide to Immix Insights Articles Are you wondering what we\u2019ve been writing about? Perhaps you haven\u2019t had time to read the articles, but you\u2019re hoping to gain some information<\/p>\n\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/immixgroup.ca\/blog\/2024\/12\/01\/your-one-stop-guide-exploring-key-themes-in-employee-benefits\/\" aria-label=\"Read more about Your One-Stop Guide: Exploring Key Themes in Employee Benefits\" tabindex=\"-1\">\n\t\t\tRead More \u00bb\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\tDecember 1, 2024\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t<div class=\"e-load-more-anchor\" data-page=\"1\" data-max-page=\"4\" data-next-page=\"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/1883\/page\/2\/\"><\/div>\n\t\t\t\t<nav class=\"elementor-pagination\" aria-label=\"Pagination\">\n\t\t\t<span class=\"page-numbers prev\">&laquo; Previous<\/span>\n<span aria-current=\"page\" class=\"page-numbers current\"><span class=\"elementor-screen-only\">Page<\/span>1<\/span>\n<a class=\"page-numbers\" href=\"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/1883\/page\/2\/\"><span class=\"elementor-screen-only\">Page<\/span>2<\/a>\n<a class=\"page-numbers\" href=\"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/1883\/page\/3\/\"><span class=\"elementor-screen-only\">Page<\/span>3<\/a>\n<a class=\"page-numbers\" href=\"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/1883\/page\/4\/\"><span class=\"elementor-screen-only\">Page<\/span>4<\/a>\n<a class=\"page-numbers next\" href=\"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/1883\/page\/2\/\">Next &raquo;<\/a>\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Key Conversations in Employee Benefits Lindsay Byrka, CFP\u00ae is Vice President at the Immix Group. She partners with employers to source and manage group life and health plans, and group savings and retirement plans, working with Canada\u2019s leading insurers to support transparent pricing and flexible plan design.LinkedIn As we kick off 2026, we look back [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1908,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14,7],"tags":[309,310,215,226,205,160,295,306,280,316,153,158,285,307,296,294,130,282,300,291,286,68,298,305,308,223,292,232,304,301,283,314,278,51,265,138,315,267,299,311,313,297,288,312,287,293,189,225,77,289,284,290,302,97,303],"class_list":["post-1883","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-emloyee-benefits","category-employee-benefits-plans","tag-ai-in-benefits","tag-ai-in-insurance","tag-bc-pharmacare","tag-benefits-administration","tag-benefits-advisor","tag-benefits-consulting","tag-benefits-cost-management","tag-benefits-funding-models","tag-benefits-plan-design","tag-british-columbia-employee-benefits","tag-canadian-benefits-plans","tag-canadian-employers","tag-chronic-disease-management","tag-claims-processing","tag-claims-trends","tag-cost-containment","tag-employee-benefits-canada","tag-employee-benefits-trends-2025","tag-employee-experience","tag-employee-financial-wellbeing","tag-fertility-benefits","tag-financial-wellness","tag-flexible-benefits","tag-flexible-spending-accounts","tag-fraud-detection","tag-group-benefits","tag-group-retirement-savings","tag-group-savings-plans","tag-health-and-wellness-spending-accounts","tag-health-spending-account","tag-holistic-benefits","tag-hr-leadership","tag-hsa","tag-immix-group","tag-inclusive-benefits","tag-menopause-support","tag-mid-sized-employer-benefits","tag-obesity-as-a-chronic-disease","tag-personalization","tag-pharmacare-canada","tag-plan-sponsor","tag-plan-sustainability","tag-pregnancy-benefits","tag-prescription-drug-coverage","tag-reproductive-health","tag-rrsp-group-plan","tag-small-business-benefits","tag-vancouver-benefits-advisor","tag-vancouver-employee-benefits","tag-virtual-care","tag-weight-management-support","tag-wellness-programs","tag-wellness-spending-account","tag-womens-health-benefits","tag-wsa"],"_links":{"self":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/1883","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/comments?post=1883"}],"version-history":[{"count":29,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/1883\/revisions"}],"predecessor-version":[{"id":1919,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/1883\/revisions\/1919"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/media\/1908"}],"wp:attachment":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/media?parent=1883"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/categories?post=1883"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/tags?post=1883"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}