Welcome to Segment One of the Benefits Breakdown with Brenda Balonis, Director of Benefits at Susquehanna University. In this first episode, we'll explore the key topics surrounding healthcare for 2025. We'll break down healthcare costs, discuss the increase in premiums, and highlight what’s new for the upcoming year. Plus, we'll clarify the differences between HMO and PPO plans, and guide Susquehanna University employees on calculating their new healthcare costs.