Alternative Risk Solutions (Employee Benefits)

HUB's Alternative Risk Solutions practice is a dedicated advisory team — not a general benefits offering with alternative funding as an afterthought. We bring focused expertise, a vetted network of solution partners, and a consultative model designed to match each employer with the right strategy.

What sets HUB apart:

• Dedicated Practice Expertise — Our specialists focus exclusively on alternative funding strategies for small to mid-sized employers, bringing depth of knowledge that generalist advisors cannot replicate.
• Full-Spectrum Solution Set — From PEOs, level-funded plans and access to care to medical stop-loss captives and reference-based pricing, we offer the full range of alternative funding options in one coordinated practice.
• Vetted Partner Ecosystem — We have built relationships across leading captive managers, stop-loss carriers, reference-based pricing administrators and PEO partners — so we have the right solution for every client situation.
• Education-First Approach — We help employers understand their options before committing to any strategy. Our goal is to build long-term confidence, not to push a product.
• Integrated Advisory Support — Our advisors work alongside your existing HUB relationship to assess readiness, guide strategy selection, and support implementation from start to finish.
• Enterprise Breadth — As one of the world's largest insurance brokers, HUB brings the scale, resources, and cross-practice expertise to support employers with complex or evolving benefit funding needs.

HUB's Alternative Risk Solutions practice serves employers across a wide range of industries. Fit is determined less by sector and more by employer size, workforce composition, and readiness to explore alternatives to traditional fully-insured coverage.

Organizations that tend to benefit most include:

• Small- and mid-sized employers looking for greater control and transparency over their healthcare spending
• Employers who have experienced significant year-over-year premium increases and are exploring alternatives to the fully-insured model
• Organizations with relatively healthy workforces interested in structures that allow them to benefit when claims run below expectations
• Employers with large hourly, part-time, or variable-hour workforces seeking cost-effective Affordable Care Act (ACA) employer mandate compliance
• Companies exploring self-funding, level-funding, or medical stop-loss captives for the first time and looking for a guide through the process

Key decision makers typically include HR and benefits leaders, CFOs, and senior finance and risk professionals focused on cost management, budget predictability, and long-term benefits sustainability.

Industries with strong relevance include manufacturing and distribution, hospitality and food service, retail, healthcare and medical technology, professional services, construction, nonprofit organizations, financial services, private equity and associations.

No matter where you are in evaluating your options — just beginning to ask questions or ready to make a change — our team is here to help you move forward with clarity.

Programs and strategies that create affordable, practical pathways to care for employees — removing common barriers like high out-of-pocket costs, long appointment wait times and the need to take time away from work to access care.