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.
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...
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.
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.
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 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...
What does ASO mean in health insurance? It means your employer pays claims directly. Learn how it works, what it costs, and what to do if a claim goes wrong.
A self-funded plan feasibility study covers claims data, stop-loss modeling, and breakeven math. Here’s how to run it and what the results actually mean.
Pharmacy is the easiest line item to fix in a self-funded plan. How spread pricing, rebate traps, and independent PBMs really work in 2026 — and the test to run.