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...
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.
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...
Spoiler Alert......You Can Just Pay a Fair Price Direct contracting is easier than people make it sound. Most employers think the price of health care is set for them. The network picks the rates. The insurance carrier gives you a discount off a price you can't really...
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...