Self-funding doesn't automatically cut your health plan costs. It gives you the data, contract flexibility, and decision rights to cut them yourself. Here's what that actually means.
Excluding part-time workers to save $1,800 to $3,600 a year in coverage ignores the bigger number. One turnover event runs $14,000 to $56,000. Run the math before your next renewal.
When one claimant drives 30 to 50% of your annual plan spend, your loss ratio no longer reflects trend. Here's how to decompose shock claims from trend claims before you present renewal data to your board.
