As a third-generation family-owned broker, we understand that the modern healthcare landscape requires more than just a policy. It requires a data-driven strategy to control costs. If your company is currently stuck in a “community-rated” plan, you are likely to overpay to subsidize the health risks of other organizations. In this blog we are going …
America’s healthcare insurance costs for small businesses continue to climb. In fact, earlier this year, “insurers had proposed a median 18 percent increase in premiums for next year, citing higher medical costs, a sicker risk pool due to the enhanced subsidy expiration, and other factors” according to the CAP. Which has left small businesses feeling the strain of providing …
The Trump Administration has introduced significant changes to healthcare policies, many of which will directly impact businesses and the healthcare options available to them in 2026. From Affordable Care Act (ACA) reforms to drug pricing policies and Medicaid restructuring, these actions are reshaping the healthcare landscape. Below, we explore the key changes and their implications …
Self-funded healthcare plans are becoming an increasingly popular option for small businesses. These small businesses are looking to manage their healthcare costs while providing flexible benefits to their employees. Unlike fully insured plans, where employers pay a fixed premium to an insurance company, self-funded plans allow businesses to pay for employee health claims directly. This …
In today’s rapidly evolving business landscape, companies are reevaluating their healthcare strategies more than ever. With rising costs and a growing need for flexibility, many businesses are turning away from traditional fully insured healthcare plans and exploring self-funded options. Did you know that the National Health Expenditure (NHE) grew 4.1% to $4.5 trillion in 2022, …
If you like the idea of self-funding but want a stable payment option level funding just might be your ideal fit. Level funding can aid employers in their health coverage budgeting efforts. With level funding, employers pay a set amount each month to a carrier. This amount typically includes the cost of administrative and other …
Creating an employee benefits package that can attract and retain employees while still controlling costs is a growing challenge for employers. As a result, employers are looking at alternative benefits as a way to script benefits and control overall costs. Because of this, many employers have opted to cut out insurance carriers and instead fund …
As the cost of insurance continues to rise, employers are looking at different ways to attract and retain good employees while curbing their costs. There are several ways this can be done through alternative benefits. The most common method is through self-funded plans. This article will give a brief summary of self-funding and its major …
Please join us for our free monthly webinar on Tuesday, April 5 at 10:30 a.m. This month we will be talking about the impact self-funding can have on your employer group. We’ll break it down in simple terms and help you understand key concepts. Some of the discussion will include: Level Funded Small Group Plans …
Importance of claims analysis In today’s business climate, managers need benefits solutions as resourceful and cutting-edge as the organizations they run. For many employers, pre-packaged fully insured health plans do not provide the greatest value to meet their organizations’ needs. Employers of all sizes are looking to mold their plans around the requirements of their …
This blog post is a supplement to our webinar on self-funding. If you would like more information about self-funding from our presenter you can contact them by clicking here. One of the largest concerns for a smaller employer considering self-funding is how to pay for all of the claims, premium, fees, etc. Insurance carriers are …
This blog post is a supplement to our webinar on Self-Funding. If you would like some information on the content of the webinar, you can contact our presenter by clicking here. Captives are frequently used by employers to fund their catastrophic risk in the form of reinsurance above their self-funded plans. By pooling their reinsurance exposure …
This post is a supplement to our webinar Surviving ACA: Self-Funding Options. If you would like more information from this webinar, please contact us by clicking here. One of the greatest assets offered by self-funding is the complete freedom to structure benefits according to the needs of your company. Employers can choose what benefits they …
This blog series is a supplement to our webinar on Tuesday, September 1. If you would like to register for our free webinar, please click here. In addition, you can get more in depth information by contacting the webinar presenter, Brenda Basso who is one of our AUI experts. A self-funded group health plan is one …
This series is written as a supplement to our free webinar to be held on Tuesday, September 1. You can register for our webinar by clicking here. In today’s business climate, managers need befits solutions as resourceful and cutting-edge as the organizations they run. For many employers, prepackaged fully insured health plans do not provide …
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