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Myths About Self-Funded Health Insurance

January 19, 2022

One of our go-to tools to better manage health plans and deliver affordable healthcare to employers is a self-funded health plan. And while these plans promise transparency and control, employers may be wary for various reasons, some grounded, others not so much. While the full list of myths and misconceptions is inexhaustible, let’s tackle some …

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Savings Guarantee in a Captive Medical Stop-Loss Program

January 12, 2022

We aim to help our group benefits clients to design and promote a sustainable benefits program for now and for the long term. A sustainable benefits program manages costs now and has mechanisms in place to improve outcomes and control costs long-term. And a foundation for these benefits plans is to be self-funded. “But these …

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Healthcare Cost Trends To Watch in 2022

December 22, 2021

Healthcare is a massive part of the US economy and a major expense for most small and medium-sized businesses (SMBs). And many organizations can best steward their health plans by looking past current year costs to trends over the next 3 to 5 years. Between 2014 and 2019 (before the pandemic), the US population increased …

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Trends in Healthcare Innovation to Inform Employer Health Plans

December 8, 2021

The health insurance industry is typically behind the overall economy when it comes to innovation. This is a major problem since insurance premiums and costs are on an unsustainable trajectory. Employers often find themselves stuck in the cycle of increasing annual renewals with their only option being to spreadsheet other carriers and plans. But what …

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Making Predictions for Employee Benefits in 2022

December 1, 2021

As we hurtle towards 2022 and wrap up open enrollments for many of our groups, we’re seeing some continuing trends as well as new ones. With the end of the year upon us and the corresponding flood of lists out there, we figured “Why not add one more?” and put together our predictions for benefits …

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How to Cover Infertility Expenses with an Infertility HRA

November 18, 2021

Much has been said about declining birthrates throughout the developed world. The CDC has found that the US had its lowest birth rate in over 30 years as of 2018. The effects of this are not just the longer people are waiting to have children, but also fertility issues. And these issues are well known …

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Different Approaches to Reducing Health Plan Spending

October 28, 2021

Health plan costs are a burden on employers and employees. Health insurance premiums and cost-sharing are increasing faster than the median employee wage, with no end in sight. And as PwC’s health cost trend finds, we are expecting health costs to double every 10 years. With this environment, employers look to their benefits consultants for …

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High-Deductible Health Plans, HSAs, and Self-Funded Health Insurance

October 13, 2021

Starting in the early 2000’s, carriers began offering HSA-compatible health plans, known as High Deductible Health Plans, or HDHPs. These plans proliferated throughout the market because the premiums paid by employers were dramatically lower, and in many cases, the employer would also contribute to the HSA for each employee. Between 2007 and 2018, enrollment of people under …

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How can Employee Benefit Plans Incorporate Value-Based Care?

October 6, 2021

As companies continue to feel the pressure from increasing costs of employee benefit plans and healthcare costs, they need solutions. Their employees, who face greater and greater cost-sharing requirements like deductibles and co-pays, also need relief. One healthcare strategy that has received increasing attention over the years is Value-Based Care. It can take the form of Accountable …

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Making Health Insurance a Value Add for Private Equity Funds

September 15, 2021

A quick google search of “Health Insurance Private Equity” returns 307,000,00 results. Most of these address the impact of private equity investments from a medical economics perspective, such as videos by Dr. Eric Bricker entitled Private Equity Owning Doctor Practices or Older Doctors Selling Out to Private Equity. But much fewer discuss the impact of …

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