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.
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...
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...
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.
For many companies, employee health insurance is one of the largest recurring employee-related expenses. But how much should a business actually spend on health insurance? There is no single dollar amount that works for every employer. The cost of employee health...
Changing a corporate health insurance broker is a significant decision. For a CFO, CEO, business owner, HR leader, or benefits manager, the question should not simply be whether another broker can offer a different insurance carrier or a lower renewal rate. The more...
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.
Choosing a corporate health insurance broker is an important financial and strategic decision for any growing company. The right broker should do more than negotiate an annual renewal or present a selection of group health insurance plans. For CFOs, CEOs, HR leaders,...