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Why Credit Unions Are Joining Captives and What’s Driving the Shift
John Harris in Credit Union , Employee Benefits , Healthcare , Self-funding
Employer health insurance costs are rising at the fastest rate in 15 years, with projected increases of 9.5% in the coming year alone.
How Credit Unions Can Support Employee Mental Health
John Harris in Credit Union , Healthcare , Wellness
Mental health has become a defining factor in workplace satisfaction since the pandemic—and a clear opportunity for credit unions to lead.
4 Misconceptions Credit Unions Have About Self Insurance
John Harris in Credit Union , Credit Union Insurance , Employee Benefits , Healthcare , Self-funding , Self-insurance
High-quality employee benefits are essential for attracting and retaining talent in today’s competitive market. Many credit unions are exploring self-insured (self-funded) health plans as a smarter way to control rising healthcare costs without sacrificing coverage. Self-insurance is simple: Your credit union funds claims directly as they occur, avoiding insurance company profits, premium taxes, and unnecessary […]
How to Choose a Benefits Broker (Without Wasting Time on Bad RFPs)
John Harris in choosing broker , Credit Union Insurance , Employee Benefits , Healthcare , rfp
Most benefits RFPs are outdated, ineffective, and poorly suited for selecting the right employee benefits advisor.
The Big Lie About Employee Benefits Costs
John Harris in Credit Union , Credit Union Insurance , Employee Benefits , Healthcare
The biggest opportunity to fund those innovations is hiding in plain sight: your employee benefits strategy.
Can Employee Benefits Costs Impact Credit Union ROA?
John Harris in Credit Union , Credit Union Insurance , Employee Benefits , Healthcare
How much can reducing benefits costs improve your Return on Assets (ROA)?
What Is Reference-Based Pricing in Employee Healthcare?
John Harris in Credit Union , Credit Union Insurance , Employee Benefits , Healthcare , Reference Based Pricing
Reference-based pricing (RBP) is gaining traction among smaller employers as a smart way to control rising healthcare costs.
STOP Getting Played by your Employee Benefits Broker
John Harris in Credit Union , Credit Union Insurance , Employee Benefits , health insurance , Healthcare
If this year’s health plan renewal looks just like last year’s — and the year before that — you’re not imagining it.
How to Measure Employee Benefits ROI
John Harris in Credit Union , Credit Union Insurance , Employee Benefits , Healthcare , ROI
Done right, benefits are more than a cost. They’re a strategic investment in recruitment, retention, and productivity.