Insurance Chic

In 1970, iconoclastic author Tom Wolfe famously wrote his essay and later book, Radical Chic. Wolfe attempted to pillory certain who, in his opinion, invited radical individuals to swank Park Avenue soirees to bolster their reputations rather than for social good....

Self Funding and HSAs

There are two issues that apply to Health Savings Account compatible plans (HDHPs) when they are self-funded by the employer that are very rarely mentioned, usually because the broker|consultant is not even aware of them. Briefly they are outlined below: Fiduciary...

Stop Loss Long-Term Protection Needed

There is a scene in the John Wayne movie, Big Jake, where John Wayne as Jake comes upon a sheep farmer with a noose around his neck, about to be hanged by arch enemy cattle ranchers. Jake decides to make this his business by offering to buy the sheep for a stated very...

Sample Questions for Self-Funding Sponsors

While much is said about employee engagement little is said about employer engagement, and yet to optimize a health plan the employer really needs to be engaged in the process and ask the right questions. Here are some sample questions for plan sponsors that currently...

Stress Tests

The great majority of us will not win the super lotto or even know anyone who did, but we know someone will win it. All too often that same common sense of knowing that incredibly rare things will in fact happen does not seem to apply in the area of self-funding...

Self-Insurance.Expert Launches

The founding members of this Self-Insurance.Expert website seek to provide employers a resource for advanced information on what is available in the area of partial or total self insurance of medical, dental, and vision insurance. This site is backed by some of the...