Plain-language explanations to help employers understand renewals and benefit options.
One-page guides you can download and share. Select a title to open.
Why renewals increase even when claims look favorable.
What employers can do about it.
Where to look in a renewal and which questions to ask.
Two ways to pay for health benefits, and who carries the claims risk.
How self-funded employers limit exposure to large claims.
How employers share health claims risk, and what to weigh.
How employers reimburse qualifying medical expenses alongside a plan redesign.
How the two approaches differ in cost, choice, and renewal.
How co-employment works and what to ask before considering one.
How the two work together and what to keep in mind.
