The fully insured tax: what it costs to wait
This analysis runs a five-year cost model built on the same regulatory categories your carrier already reports: Medical Loss Ratio, state premium tax, risk load and carrier administration.
What you get:
- What staying fully insured costs you if you wait one, two or three renewal cycles, modeled year by year against the same regulatory cost categories your carrier reports.
- A five-question self-assessment that tells you in minutes whether a funding change applies to your group, before you talk to anyone.
- A worst-case claims scenario modeled against real stop-loss deductibles and caps, so the downside is on the page as clearly as the savings.
- A full breakdown of where your fully insured premium dollar goes today, and the structural reason it keeps rising even when your population stays healthy.
Eighteen pages, and a five-question self-assessment that tells you whether it's worth modeling your own numbers next.
Download the analysis for a line-item breakdown of where your premium dollar goes, the structural cost drivers that compound with every renewal, and a five-year projection showing how the gap between funding structures builds over time — regardless of your claims experience.
