Self Funded Insurance: The SMB Guide to Cost Control

Your renewal lands in the inbox. The premium is up again. HR has to explain it, finance has to fund it, and leadership still has very little visibility into what drove the increase. That’s the moment many small and mid-sized employers start looking seriously at self funded insurance. Not because it sounds trendy, but because… Continue reading Self Funded Insurance: The SMB Guide to Cost Control

Deductible vs Copay: What HR Leaders Need to Know

When it comes to health insurance, few terms cause as much confusion for employees as deductible and copay. They both represent out-of-pocket costs, but they function in completely different ways. Getting this distinction right is the first step for any HR leader trying to design and communicate a benefits package that employees can actually understand… Continue reading Deductible vs Copay: What HR Leaders Need to Know