"To RBP or not to RBP?" — that's the question many employers face when trying to control healthcare costs. Too often, employers feel stuck between two extremes: traditional PPO plans…
Employers across every industry face pressure from rapidly increasing healthcare expenses, often experiencing double-digit annual renewals. Those operating self-funded or level-funded plans have access to advanced strategies that help contain…
The Challenge A regional employer with 325 employees was transitioning to self-funded health insurance. With tight margins and high employee turnover typical in the industry, controlling healthcare costs from day…
The Challenge A mid-sized aerospace manufacturer with 15 employees was trapped in the fully insured cycle: predictable double-digit renewal increases, zero transparency, and no control over their second-largest operating expense.…
For many employers, healthcare costs rise year after year, leaving them with few options other than accepting double-digit premium increases or cutting employee benefits. But with the right strategy, dramatic…
Level-funded health plans have become one of the most popular alternatives to fully insured coverage because they combine predictable monthly payments with the savings potential of self-funding. But within level…
Employers looking to break free from fully insured health plans often encounter two funding strategies: level-funding and self-funding. Both options give employers more control over plan design and potential savings…
Why Level-Funded Health Plans Are Gaining Popularity Healthcare costs remain one of the biggest challenges for employers. Fully insured plans feel expensive and rigid, while self-funded plans can seem risky…
What Are Fully Insured Equivalents (FIE)? A Fully Insured Equivalent (FIE) is the self-funded health plan's version of a monthly insurance premium. It represents the total monthly cost to operate…
What Are TPA Contracts and Why Do They Matter? When an employer chooses a Third-Party Administrator (TPA) to manage their self-funded health plan, the administrative contract defines the legal and…
