Offering a long-term philosophical shift

We all know insurance carriers take a risk in exchange for level premium rates.  And those premiums are largely a function of your benefit plan design offering, membership geography, demographics, industry, etc.  The question that we look to answer when conducting due diligence is – what is the historic value proposition of premiums paid vs. actual net cost results.  We often find a gap or misalignment between insured premiums paid v. actual non-pooled variable and fixed costs. CU Benefits specializes in pinpointing the severity of this dilemma.  The outcome often results in a restructuring of the corporate financial management strategy – a long-term philosophical shift moving from transferring risk to managing risk occurs preventing the insurance carrier from profiting on favorable membership health trends.