Tag

Group Captives

Sep 29

How Mid-Sized Employers Can Lower Renewal Costs Without Cutting Benefits

By Employee Benefits
Renewal notices have been tough this year. Many mid-sized employers opened theirs to find increases that were hard to justify and even harder to budget. If that sounds familiar, you are not alone. Fortunately, there are proven ways to lower renewal costs without taking benefits away from your people. Rising costs are not going away. Mercer projects that employer health benefit costs will climb 8.2% in 2027. Even so, employers have more control than they might think. Over the past several renewal cycles, our team has seen what works for groups with 50 to 200 employees. Here are the strategies…
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Aug 01

Alternative Funding Options: 4 Moves HR and Finance Can Make Now

By Employee Benefits
Healthcare costs keep climbing, putting immense pressure on company budgets. For HR and finance leaders at mid-market organizations, the traditional fully insured model often feels like a trap. It offers little control, limited transparency, and no relief from annual premium hikes. Worse, the constant cycle of renewal negotiations leaves you stuck—forced to either absorb unsustainable costs or shift the burden onto your employees. That’s why exploring healthcare cost control strategies is more critical than ever. Fortunately, you don’t have to stay in this reactive cycle. By taking a proactive, strategic approach to benefits funding, you can unlock significant savings, improve cash flow,…
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