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...

Small Business Insurance Solutions

Employers are in search now more than ever for small business insurance solutions.  This is nothing new, of course.  The “Tug of War” between annual revenue and health care costs has been increasing since the early 1980’s.  Employers have watched the cost of their...

Business Choice

Business Choice as it pertains to group medical plans continues to be an elusive objective for employers.  Companies have always been in search of superior benefit plans chalked full of choices to attract the best employees.  As group medical become more expensive,...

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...

Choice Advantages at the End of Summer

As the summer comes to an end, many employees can sometimes feel a bit disengaged or run down. Summer is usually filled with exciting activities and beautiful weather, while the winter months can be dark and dreary. Fortunately, there are many morale boosters for your...