Insights
Writing for people who have to decide.
Short, specific pieces on the parts of this business that cost employers money when they are misunderstood. No vendor content, no reprinted carrier bulletins.
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What employers get wrong about stop loss, starting with lasers
Stop loss is where a self funded plan finds out how much risk it actually kept. Lasers, contract basis, and renewal terms decide that, and none of them appear on the rate sheet.
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How to read a renewal increase, and four questions to ask first
A renewal percentage is a conclusion, not a fact. Here is how the number gets built and the four questions that separate the part that is genuinely yours from the part that is caution.
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What level funding actually is, and when it starts to make sense
Level funding is usually sold on the surplus return. The parts that decide whether it works for you are the underwriting, the settlement terms, and what happens in year two.
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