Plan-design and funding strategies employers use to control costs while meeting employee needs, including reference-based pricing and level-funding.
Strategies Topics
Self-Funding
How self-funded plans work and when they fit.
Captives & MEWAs
Group captives and MEWAs for pooling risk.
Plan Offering
Deciding what plans to offer employees.
Premium Tiering and Plan Design
Structuring plan menus and premium tiers.
Reference-Based Pricing
Paying providers a multiple of Medicare instead of network rates.
Level-Funding
Self-funding packaged to feel like a fully insured plan.
Stop-Loss
Insurance that caps a self-funded plan’s catastrophic claims.
Cost Containment
Strategies that lower a plan’s claims trend.
Broker Compensation
How brokers are paid and what must be disclosed.
Wellness
Workplace wellness programs, incentives, and the rules that govern them.
Multi-State Workforces
Benefits for remote and multi-state employees, including networks and licensing.