Self-Insurance Health Plans Continue To Trend
Employers have self-insured themselves for healthcare costs for many years, but historically it has been a funding mechanism for large employers only. With the advent of the Patient Protection and…
self-insurance
Fact Vs Fiction: What You Really Need To Know About Self-Funding
Historically, self-funded health plans have been most effective for larger companies, but as health costs continue to climb, self-insurance has become a viable option for many employers of all sizes…
Captives: Cutting Chronic Costs Through Cohesion
What happens when an employer gets tired of continually subsidizing an insurance pool it consistently outperforms? What is a chronically overinsured employer to do?
The Mechanics Of Underwriting
Before I began my career in the insurance industry, I only ever heard of underwriting in terms of applying for a mortgage. It seemed to be that black hole, where…
Could The “Patent Cliff” Result In A Company’s Inability To Overcome A Financial Mountain?
The last time you watched TV, how many times did you see a commercial from a pharmaceutical company? Perhaps you’ve seen an advertisement for Humira, Harvoni , Tecfidera or one…
The Next Multi-Billion Dollar Battle For Your Premium Dollars
Currently there are no PCSK9 inhibitors on the U.S. market but two approvals are anticipated this summer: Alirocumab (PRALUENT), manufactured by Sanofi/Regeneron is expected to receive approval by July 24,…
When It Comes To Open Enrollment, Don’t Settle For The Status Quo
As employers begin to sift through all of the different health care options that are now available to them, their focus will be solely on affordability. This is primarily because…
Self-Funding – It’s Supposed To Save You Money, But Are You Still Paying Too Much?
We all know when setting up our self-funded insurance plan that we are contracting with an administrator, network and stop loss carrier. There is also typically information about case and…
Global Benefit Financing And Multinational Pooling: Part 1
If you are familiar with how risk health and welfare plans are financed in the U.S. then you know how in most instances they are dealt with overseas. This blog…
How Will The Affordable Care Act Benefit Health Plans, Costs And Employees? With The Advent Of Private Marketplaces!
Over the past two years, employers and their advisors have been working to digest, decipher, strategize and adjust to the impact the Affordable Care Act (ACA) has and will have…