The Contrarian

Fresh Perspectives and Insights on Health Benefits and Self-Funding
November 22, 2022
No matter where you are in the world, you probably know someone with diabetes. In fact, research suggests that in the United States alone, diabetes affects an estimated 114.4 million Americans, including those that are diagnosed, prediabetics, and undiagnosed diabetics.1 These numbers are expected to grow, with at least 15-30% of pre-diabetics developing type 2 […]
October 28, 2022
If you’re an employer and you don’t know what ‘leveraged trend’ is, you need to learn. It will impact the pricing of every type of health insurance, whether fully-insured, level funded, or self-insured in the coming years. Leveraged trend, in simple terms, is the tendency for large claims to increase at a higher and faster […]
September 27, 2022
We are quickly approaching everyone’s least favorite time of the year – open enrollment. If you’re fully insured, you’re on pins and needles, waiting to know if you’re going to get a good renewal or a bad renewal. You cannot do much to prepare for open enrollment, because until you get your renewal, you don’t […]

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