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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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What is a Medical Stop-Loss Captive?

September 8, 2021

In offering group health plans to employees, businesses have a lot to navigate and understand about the options presented by their benefits advisor team. The smaller the employer, the fewer the options available to them, while the largest employers with thousands of employees have every vendor clamoring for their business. But the majority of businesses …

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How to Choose an Employee Benefits Advisor

September 1, 2021

Today’s competitive landscape and rapidly changing technologies are disrupting previous practices and forcing businesses to re-evaluate how and what they pay for the services they buy and the relationships they enter. Insurance and human resource services are no different. What is an Employee Benefits Advisor Before we go into more discussion, let’s first define an …

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What is Direct Contracting in Healthcare?

August 11, 2021

Healthcare costs are a top expense for most businesses, so companies can find great value in cost reduction strategies. And if we can marry lower costs for a business with as good, if not better, benefits and outcomes? That’s the goal. One such strategy that has typically been reserved for only the largest employers is┬áDirect …

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Why Does Health Insurance Get More Expensive?

July 21, 2021

America’s healthcare system gets wide discussion. Study after study finds that it’s expensive and underperforms comparable systems. When we say that American healthcare is expensive and growing increasingly so year after year, we need to understand why. Why Does Health Insurance Get More Expensive? We assume health insurance will be more expensive every year. Financial …

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What is Meant by Health Care Costs? How Will They Change in 2022?

July 13, 2021

As benefits and healthcare consultants, we salivate over statistics and data about health care costs. We collect and pull apart figures around spending and claims but our clients don’t always want to know all the details. As they say, I don’t want to know how the sausage gets made! Our clients just want us to …

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Financing Health Plans: Self Funding vs. Fully Insured

June 30, 2021

We think it’s critical in benefits consulting for us to create a common foundation with our clients to drive benefits decisions. There are enough shiny objects in the industry to sideline a conversation and take attention in any one of a dozen different directions. To create meaningful benefits plans that deliver great care to members …

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Managing Self-Funding Risk with Stop-Loss Insurance

June 23, 2021

We’ve written previously about stop-loss insurance, in particular about the cost of stop-loss insurance, about the effect of CA 161 on stop-loss insurance for California groups, and about statistics around stop-loss insurance claims. With many groups approaching their benefits renewal later this year and considering ways to reduce their healthcare spending, let’s revisit how stop-loss …

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4 Ways to Reduce Healthcare Spending

June 16, 2021

Healthcare costs are increasing. These increases are leading to reduced benefits, lower takehome pay for workers, and poorer health outcomes. According to the 2021 Milliman Medical Index and the 2020 KFF EMployer Health Benefits Survey, healthcare costs and health insurance premiums are increasing year over year. Over the last 5 years, the average family premium …

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Data is the Key to Employers Health Care Cost Crisis

May 25, 2021

Yes, I’d like to understand my claims data and reduce my health care costs Over the past decade, health care spending has been rising year-over-year by 4.6 percent, with costs rising faster than the annual rate of inflation. Driven by rising health care costs, employers now offer high deductible health plans (HDHPs) at a much …

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