The Contrarian

The landscape of health insurance is complex, and self-funding is no exception. We can (and do) talk all day about the benefits of self-insurance. But not all self-insured plans are the same, especially when it comes to stop-loss insurance – one of self-funding’s biggest differentiators. Stop-loss Insurance in a Nutshell Medical stop-loss insurance protects against […]

Earlier this week, a Johnson & Johnson employee brought a lawsuit alleging the company breached its fiduciary duties by not adequately managing healthcare costs, resulting in their ERISA plans and plan beneficiaries overpaying for healthcare expenses. The heart of this lawsuit is a question of fiscal responsibility – to what degree must a company manage […]

When was your last bad dream? You might not realize it, but you’re living in one today: Healthcare costs in the U.S. currently make up more than 40% of global healthcare spending.1 It’s a growing problem – one that can’t be solved by doing what’s always been done. Let’s take a deep dive into why […]