'SKIN IN THE GAME' IS NOT WORKING

November 19, 2018

The year was 2003 and I was working with a Fortune 500 company in Austin, TX that would be the first large employer (10,000+ covered employees) to launch a consumer driven health plan (CDHP). The savings the company realized from the federally mandated high deductibles would be redistributed in the form of health savings account (HSA) dollars so employees and their dependents could be better stewards of their own money. Employees loved that the money in the HSA was theirs to keep and they would not lose it at the end of the year (FSA) or when they left the company (HRA).

As we flash forward to the 2019 healthcare marketplace, average deductibles for employer health plans have

Health Plan Analytics Stuck in the Wild West?

July 19, 2018

Our family loves traveling to Colorado each summer. This year, we passed through Leadville and Minturn, two old mining towns that remind...

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Taming the Big Cat? A Primer on Stop Loss Insurance

November 3, 2017

As we transition from Halloween to Thanksgiving, we know many of our clients and their service teams are preparing for or have already conducted open enrollment. While most employees appreciate their benefits, they are not familiar with all the work that HR and executive leaders put into what gets delivered at the enrollment meeting. One of the major reasons for providing health insurance is to protect families from a catastrophic financial loss. This is why most employers buy stop loss insurance to cover large claims.