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
Medical inflation continues to outpace inflation in the rest of the economy.1 This creates headwinds for employers in every industry. What is not as commonly known is that medical inflation affects Stop Loss carriers more severely than self-funded employers, which has a downstream impact on the Stop Loss rates. Let’s examine why this happens and 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
It’s our pleasure to welcome Mike Madden back to the Berkley Accident and Health team after more than 10 years away. He rejoined the organization in 2024 as Senior Vice President of Captive Growth Strategy. We asked Mike his thoughts on Berkley Accident and Health and why he’s bullish on Group Captive programs. Q: Welcome Read More
Why Business Leaders Must Prioritize Mental Health Support in Business Travel Risk Plans As business travel continues to evolve, many employers are revisiting their travel risk plans — but not all are addressing a critical gap: mental health. Today’s employees face not only physical risks when traveling for work, but also emotional challenges like stress, Read More
Berkley Accident and Health is committed to improving the way employers fund their health care benefits, using a more transparent, flexible, and controlled approach. In November 2024, we launched PBM Checkup, an innovative program that helps Berkley’s Stop Loss policyholders gain insight into their prescription drug costs. We asked Theresa Galizia, Chief Underwriting Officer and Read More
When you buy a health insurance policy, you’re joining a risk pool. Your insurance premiums and claims are mingled with all the insurer’s other customers. Even if your health plan is running well, your premiums may go up if everyone else’s plans are running poorly. That’s because you’re sharing the risk and sharing the results. Read More
With a group captive program, employers can gain clarity and control over their health care costs. In this video, take a deeper dive into the mechanics of risk sharing.
Read our February 2025 update on the cell and gene therapy pipeline, with an in-depth look at Elevidys