Employee Benefits Blog | Cost Containment & Plan Strategy
Bad Renewal Mid-Year? Why the Next Step From Fully Insured Is Level Funding, Not Self-Funding
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.
Why I Left the Carrier Side: What 13 Years in Benefits Taught Me About Who the System Is Built For
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.
Is Your Company a Good Fit for a Self-Funded or Alternative Health Plan?
For many mid-sized employers, the question is no longer simply whether health insurance is getting more expensive. The more important question is whether the company is using the right structure to manage those costs. CFOs, CEOs, HR leaders, business owners, and...
What to Do When Your Company’s Health Insurance Renewal Increases: A CFO and HR Guide
When a company's health insurance renewal arrives with a significant increase, the easiest response is often to accept the new rate, increase employee contributions, or ask the insurance broker to find a cheaper plan. For CFOs, CEOs, HR leaders, business owners, and...
Rebates vs. Real Savings: Why Your Pharmacy Discount May Not Be a Discount At All
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.