As healthcare costs continue to rise faster than general inflation, finance leaders are increasingly asked to explain where health plan dollars go and what levers actually exist to control them. Traditional fully insured plans offer simplicity, but often at the expense of transparency and long-term cost control. For many organizations, that tradeoff is becoming harder Read More
The theme of the 2026 Berkley Captive Symposium is Blueprints for Better Living: Captive Programs in the Age of Wellness. At this year’s Symposium, our speakers will explore the impact of longevity science, environmental health, and healthy eating on employees and how Group Captive programs can play a role in creating positive incentives for better Read More
This is the second article in our Stop Loss Basics series. If you missed our first article, you can read it now: Understanding Leveraged Trend. Many Stop Loss providers offer Rate Caps as an option to their customers. What is a Rate Cap, anyway, and should you select one for your Stop Loss policy? The Read More
When selecting Stop Loss coverage, experience can be a critical factor, significantly affecting the quality, reliability, and value of your coverage. Here is why working with an experienced insurance carrier is a smart decision for policyholders: 1. Greater Accuracy in Risk Assessment and Pricing Experienced insurers have tried-and-true methodologies for underwriting with limited data. In Read More
If someone has ever talked to you about the advantages of self-funding, chances are they mentioned flexibility. But what does flexibility in a health plan really look like, and why is it so important? Let’s break it down into the three main aspects: 1. Flexibility with Plan Design Fully insured plans are subject to strict Read More