Self Funded Health Plans

Inside ERISA Denials: Why Employers May Be the Real Decision-Makers Behind Your Insurance Card

Insurance denials aren’t new, but they’re hitting a breaking point right now. As prior authorizations surge and patients face longer delays for everything from imaging to specialty drugs, more providers are realizing that the “payer” on the card often isn’t the one truly holding the reins. A growing share of Americans are covered…

The Open Road to Reform: Why Healthcare Needs Disruption, Innovation, and the Return of Real Competition

The U.S. healthcare system is at a crossroads — facing rising costs, limited competition, and a widening gap between innovation and accessibility. According to projections from the Centers for Medicare & Medicaid Services (CMS), national health spending is expected to grow faster than the overall economy over the next decade — about 5.8% per year…

Employer-Built Healthcare Plans: Controlling Costs and Transforming Care

Companies are designing their own healthcare systems to cut costs and improve employee outcomes faster than traditional insurance models allow