Fully Insured Equivalents (FIE): Complete Guide to Self-Funded Health Plan Pricing (2025)

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…

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TPA Contracts Explained: MSA vs ASA – Complete Guide for Self-Funded Employers (2025)

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…

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Stop-Loss Insurance Explained: How to Protect Your Self-Funded Health Plan from Catastrophic Claims

One catastrophic claim could cost your business $500,000+ and derail your entire self-funded health plan. Stop-loss insurance is your financial safety net—but only if you understand the contract terms, deductible…

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