HUB Funding Strategy Assessment
Most leaders at fully insured employers know their renewal went up. Fewer know why, specifically, and which part of that increase was unavoidable.
On a $3 million fully insured premium, $420,000 to $600,000 a year goes to carrier administration, profit, taxes and risk loads but not to a single employee claim. Not all of it is recoverable. But you can't weigh that decision without seeing the line items, and most fully insured employers never have.
What You Get:
A HUB advisor reviews your current funding arrangement and models your premium against both a fully insured and an alternatively funded trajectory. In 30 minutes you receive:
- A breakdown of where your premium dollar is going across claims, carrier administration, taxes and risk loads
- A side-by-side comparison of your current trajectory against realistic alternative structures, modeled to your group size, market and workforce
- A direct read on which funding options are viable for your organization and the numbers behind that recommendation
- Transition considerations specific to your situation, so you can take a clear position into an internal conversation
In a number of assessments, HUB advisors confirm the employer's current arrangement is the right call. The value is the analysis.