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.
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.
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...
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.
The best alternative funding models for group health benefits compared: self-funded, level-funded, captives, and RBP. See which fits your size and risk. Get clarity.
Exposing the Hidden Costs in Your Health Insurance Plan and How to Take Back Control As a business owner or HR leader, you've likely experienced the frustration of watching your group health insurance costs rise year after year, despite the promises of "discounts" and...
Learn why health insurance underwriters require IMQs, what these Individual Medical Questionnaires contain, and how accurate forms lower your group premiums.
Networks who brag about their network discount are bragging about how much they over charge clients. That sounds harsh. It's also true. And once you understand how the pricing actually works, you stop defending the number on your renewal and start asking better...
When Catastrophe Strikes: What Happens When a Catastrophic Claim Hits Your Health Plan? A plain-language guide for employers navigating fully insured, level funded, captive, and self-funded health plans. It starts with a phone call you never expected. An employee has...