Insights & Blog

Level-Funded Plans and the Data Advantage: The Middle Market’s Best-Kept Secret in Health Plan Strategy

There’s a conversation happening in mid-market benefits strategy that most employers have never been invited into. While Fortune 500 companies have operated self-funded health plans for decades...

Total Cost of Risk: Why the Smartest Employers Stopped Comparing Premiums

Every year, somewhere between August and November, the same scene plays out in boardrooms across the middle market. The broker walks in with a renewal presentation — a stack of slides showing this...

The First 90 Days After You Change Brokers: What Implementation Actually Looks Like

Every employer who’s ever considered changing brokers has had the same conversation behind closed doors. The current relationship isn’t working — the service has gone stale, the strategy...

Building Benefits Programs That Scale With Your Growth

Most mid-market employers design their benefits programs for the organization they are today, not the organization they’re becoming. A 500-employee manufacturer implements a fully-insured PPO...

When Wellness Programs Become Performative Theater: Why Most Employee Health Initiatives Fail — And What Actually Works

Walk through any mid-market employer — whether it’s a 1,200-employee manufacturing operation, a tribal government managing health clinics and casinos, or a regional healthcare system — and...

Why Data Without Strategy Is Just Expensive Noise

This piece was developed for employers who operate level-funded, partially self-funded and fully self-funded benefits programs. While some insurance carriers do relay robust data sets to fully-insured...