Insights & Analysis
Data-driven articles for self-funded employer plan managers.
Stop-Loss Insurance: Are You Overpaying for Protection?
Stop-loss premiums have surged 40% in three years, but most employers have never competitively marketed their coverage. An independent review often reveals significant savings.
Population Health Analytics: Moving Beyond Claims Reports
Traditional claims reports tell you what happened last year. Population health analytics tells you whats going to happen next — and what to do about it.
ERISA Fiduciary Duty: What Self-Funded Plan Sponsors Must Know
Recent DOL enforcement actions are raising the bar for self-funded plan sponsor fiduciary obligations. Heres what you need to know to stay compliant.
The True Cost of Pharmacy Benefit Mismanagement
Pharmacy benefits represent 25-30% of total health plan spend, yet most employers have never independently verified whether their PBM is delivering fair value.
Why Self-Funded Employers Need Independent Data Analytics
Brokers and carriers have their own data — but whose interests does it serve? Independent analytics gives self-funded employers the unbiased insights they need to make fiduciary-grade decisions.
5 Hidden Costs in Your PBM Contract
Most self-funded employers dont realize their PBM contract contains pricing mechanisms that quietly inflate costs. Here are five hidden charges to watch for.