A bad renewal raises the question: switch to self-funded mid year? For fully insured groups, level funding comes first. 4 questions set your next step.
An independent benefits broker vs carrier comparison from someone who spent 9 years inside. 4 things the carrier side taught me about who it is built for.
PBM rebates explained for employers: the 3 places rebate dollars disappear, why a bigger check can mean a worse contract, and what to measure instead.
Your renewal increase is an opening offer, not a verdict. Learn the 3 signs your number is soft and how to negotiate a health insurance renewal increase.
Level funded vs fully insured vs captive, compared across 6 dimensions, plus the 4 readiness tests and the exit question to ask before you sign anything.
Your renewal is an opening offer, not a verdict. The 9 questions to ask your broker 90 days out, and what an evasive answer on each one is telling you.
No new lasers guarantee stop loss vs. rate cap, compared across 5 dimensions: what each protects, what voids it, and why one without the other leaks.
Broker contingent commissions bonuses, persistency credits, stop-loss and PBM pay: 5 revenue streams that never hit your invoice, and how to surface them.
Stop loss laser clause explained: the 3 kinds of lasers, what a re-laser really costs at renewal, and the exact contract language to demand before you sign.
What the first 90 days of the cost containment blueprint process actually produce – plus all 3 phases and 9 steps of a 3-5 year health plan strategy.