Risk Management

Reno, NV.  USA Business Choice, an operational unit of Gatekeepers, Inc., a Reno-based risk-management firm and EXL, Inc., has announced the release of USA Risk. USA Risk is a risk management reporting tool for use by smaller employers with 10-100 employee lives who...

2016 Renewals

A lot of group plans are receiving their 2016 renewals right now.  Many fully-insured carriers renewed their groups early last year to avoid the mandatory penalties that were supposed to kick in on January 1, 2015.  As we all know, that requirement was kicked down the...

Aggregate Stop Loss Insurance

Self-Funded Healthcare Plans have been around for a long time.  Self-Funded plans generally include aggregate stop loss insurance as well as specific coverage.  Self-Funded plans rose to prominence with the passage of the Employee Retirement and Income Security Act...

Stop Loss Coverage

Stop Loss coverage, or excess loss coverage, or even mis-labeled as “reinsurance,” is a product that nearly all self-funded health plans must consider.  It is always the right choice.  Only the very largest companies can afford to operate a Self-Funded plan without...

Affordable Healthcare Act

Now that the affordable healthcare act (aka Obamacare) has been around for several years, we have been noticing that although there have been additional Americans able to secure health coverage, there have not been any reports of reduced costs.  On the contrary!...