Broker contingent commissions bonuses, persistency credits, stop-loss and PBM pay: 5 revenue streams that never hit your invoice, and how to surface them.
The 5 Hidden Revenue Streams Your Broker Doesn’t Put on an Invoice
read more
Purchasing Strategy
Specialty Drug Costs Are Eating Your Health Plan Budget in 2026 — Here’s What Actually Stops It
Specialty drugs are under 5% of prescriptions but over half of pharmacy spend. See why most PBM contracts hide the fix, and what employers can do now.
Quote Comparison vs. Market Analysis: The 4 Things Your Broker’s Spreadsheet Never Shows You
Most employers only ever see four carriers. See how a real market analysis — level funding, direct contracting, PBM review — cuts costs without cutting care.
How to Read Your Broker’s Compensation Disclosure Under CAA Section 202 (Line by Line)
CAA Section 202 made your broker’s pay visible—if you read it. A line-by-line walkthrough plus a 9-point checklist to find the number in 20 minutes.
What Happens to Employee Benefits During an ESOP Transition — And 5 Decisions That Quietly Impact Your Share Price
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...
Carrier ASO vs. Independent TPA: You Took the Risk. Who Kept the Control?
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 ASO Means in Health Insurance, Explained Simply
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.
Is Your Company Ready for Self-Funding? A Feasibility Guide
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.
How a New PBM Cuts Employer Drug Costs: The 2026 Playbook
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
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.