Actuarial & Financial Consulting

Cost projections built from real data

HUB's actuarial and financial consultants build healthcare cost projections and funding recommendations from integrated actuarial and clinical data, so the organization's funding decisions reflect what's driving the plan's costs today and going forward.

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Why It Matters

When cost projections skip the clinical data

Healthcare premiums for middle market employers continue to rise. A cost projection built without integrating current clinical and pharmacy claims data misses the specific drivers like specialty drug trends shaping the plan, leaving funding decisions built on a guess dressed up as a forecast.

HUB's Approach

Actuarial projections built alongside your plan’s claims and pharmacy data

HUB's actuarial and financial consultants build cost projections and financing recommendations directly from the plan's current claims and pharmacy data, working alongside HUB's clinical pharmacy team rather than in isolation. That integration means a projection reflects the specific cost drivers shaping the plan, such as specialty drug trends, instead of a generic estimate applied to every employer the same way. The same actuarial analysis also informs whether the current funding model still fits the organization's size, claims experience and risk tolerance, connecting directly to HUB's broader healthcare cost management and alternative risk financing work. For chief financial officers (CFOs) and human resources (HR) leaders alike, this means cost decisions are grounded in the organization's actual data, not a renewal-cycle assumption carried forward from last year.