Case Studies

piechart.jpg

 

 

 

This case study was developed primarily for sales professionals, brokers, and employers.  It will show you a simple cost-reduction strategy that any employer that has a generous health plan can use to dramatically reduce their health plan costs.  This strategy can be used for self-funded, fully-insured, and experience-rated health plans.  Click here to download this case study. 

This case study was developed primarily for underwriters and actuaries.  It will show you how cost-reduction strategies used by employers can totally wipe out a health insurer's chances of earning a profit on a group if the insurer doesn't reflect the probable impact of the strategy in the group's premium rates.  Some of the cost-reduction strategies that employers use internally, like the one illustrated in this case study, can result in as much as a 8% increase in the group's loss ratio and as much as a 25% decrease in enrollment. Click here to download this case study.

This white paper was developed primarily for underwriters and actuaries.  It will show you why the Community Rating by Class (CRC) pricing methodology that health insurers use to price large fully-insured groups, and to partially price experience-rated groups that aren't "fully credible", routinely generates premium rates that are substantially off-target.  This 60+ year old pricing methodology is primitive, problem-ridden, and needs to be vastly improved!  Click here to download this white paper.