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...
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.
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.
What You'll Learn Why an ESOP legally changes nothing about your health plan and why that is the risk, not the reassurance The 5 benefits decisions that get made for you if you don't make them before close What actually happens to the 401(k), vesting, valuations, and...
What You'll Learn Why "we're already self-funded" is a starting line, not a finish line How a carrier ASO arrangement keeps the carrier's admin, network, and owned PBM while moving 100% of the claims risk onto your balance sheet The 4 levers a carrier ASO holds and an...
For many mid-sized employers in Houston, Texas, group health insurance has become one of the most unpredictable expenses on the balance sheet. Every renewal season brings the same challenge: increasing premiums, limited options, and difficult decisions about how to...
For many mid-sized businesses in Orlando, Florida, employee health insurance costs continue to rise year after year. Increasing premiums, higher claims utilization, prescription drug expenses, and complex healthcare regulations make managing a group health plan more...