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Funding Is Only the Beginning: Why More Employers Are Exploring Level-Funded Health Plans. When it comes to healthcare, most companies are renting their plans. They pay a fixed monthly premium to a traditional carrier in exchange for a plan they have almost no control over. When the "rent" goes up at the end of the…

Is a Health Insurance Captive Right for Your Organization? Few employers look forward to renewal season. After months of planning and budgeting, many are left with higher premiums and limited claims data explaining what’s driving costs. These organizations are left wondering if they’re funding their plans the best way possible.As an alternative to the traditional…

Back to the Basics: Protecting Your Health Plan from Catastrophic Claims. Part 2. In the world of employee benefits, there are claims that are predictable and claims that are catastrophic. Most of the time, HR teams can manage the predictable. But every so often, a "shock claim" hits, a medical event so big that it…

Back to the Basics: What Your Stop Loss Renewal Can Really Cost. Part 1. When an employer is reviewing their stop loss renewal, the conversation usually centers on two numbers: the premium and the deductible. For many organizations, these are the primary markers used to determine if a plan fits the budget.But the premium is…

Home renovations can be an exciting way to increase your home's value, improve functionality, and create a space that better fits your family's needs. Whether you're finishing a basement, adding a bathroom, building a deck, or installing a pool, these improvements can have a significant impact on your homeowners insurance coverage. Unfortunately, many homeowners begin renovation projects without considering how…