Specialty drugs now exceed 50% of employer pharmacy spend. With oncology, GLP-1s, and $3 million gene therapies in the 2027 pipeline, here's what self-funded employers need to do before it hits.
Your stop-loss carrier raises your specific deductible and calls it a deal. Here's how to model the breakeven, spot laser risk, and decide whether to accept, push back, or shop the market.
Leveraged trend explains why stop-loss premiums jump 30% when underlying claims only grew 10%. Here's the math, and what self-funded employers can do about it.
Stop-loss loss ratios have hit 85% and carriers are calling it unsustainable. Here's what's driving 2026 rate increases, from reinsurance hardening to GLP-1 claims, and what you can push back on.
A fully-insured to self-funded transition takes 12 months done right. Here's the phase-by-phase roadmap, from actuarial analysis through employee communication and go-live.
Stop-loss rates are hardening fast. Before you accept your renewal quote, here are three concrete alternatives: higher specific deductibles, captive reinsurance, and corridor self-insurance.
