Whether you need one analysis before a renewal meeting or a partner for the whole plan year, every engagement is handled directly by a credentialed actuary.
Defensible reserves, delivered on your deadline.
We evaluate appropriate reserves for self-insured health plans and produce results by plan or in aggregate. For clients with tight quarterly or year-end deadlines, we can produce trended IBNRs so the numbers are ready when your books close.
Our credentialed actuaries confirm that your plans meet minimum value requirements under the ACA and provide the attestation you need on file.
Independent numbers to bring to the negotiating table.
We set self-funded premium equivalents and build independent renewal projections for fully insured and level-funded groups. Carriers price to protect themselves; our projection gives you a fair number to negotiate from.
Reinsurers are under pressure too, and it shows up in renewals. We review specific and aggregate stop-loss pricing against your group's own experience so you can push back on quotes that don't add up.
Choose vendors on the numbers, not the sales pitch.
We help run and evaluate RFPs for carriers, TPAs, PBMs, and stop-loss vendors. Every bid is put on the same basis so the comparison is fair, and you get a clear financial picture of each finalist before you decide.
Once the field is narrowed, we can join finalist discussions, pressure-test guarantees and assumptions, and check that what was promised in the bid shows up in the contract.
Show clients the risks and rewards before they switch.
Have a group that might be better off self-insured? Our feasibility study compares expected outlay under self-funded and fully insured arrangements so your client understands both the risks and the potential rewards.
Our proprietary tool measures a group's underlying demographic risk and compares it to targeted industries and regions. From there we recommend funding strategies and plan design changes that reduce anti-selection.
Know what combining populations will cost.
When populations are combined onto one health plan, costs shift. We estimate the impact, set appropriate premium equivalents for self-insured plans, and support premium negotiations for fully insured groups.
One-off and unusual questions, answered clearly.
We enjoy the one-off and unusual questions. Whatever the scenario, we build an approach that fits the problem and present the results in a way your whole audience can follow.
Tell us about your plan or your client's renewal, and an actuary will get back to you.
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