Is Disaster Brewing in New York’s Small Group Market?

Businessman with umbrella standing in the rain

The United Hospital Fund (UHF) just issued a comprehensive study of patterns in the New York State small group market and they don’t look good. From 2007 to 2016 enrollment shrank by 600,000 members, to 1.1 million. Rates were 35% higher than the national average. This, despite New York being one of the very few states to increase… [Read More]

Stop Loss Insurance… More Important Than Ever

Stop Loss Insurance... More Important Than Ever

With the increase in popularity of self-insurance, health plan sponsors must take the time to fully understand the “safety net” that is typically purchased alongside these plans to protect them from unexpected costs. There are two elements of stop loss: Individual (or Specific) Stop Loss (ISL) protects against the costs of any one claimant exceeding… [Read More]

Good News – the Stop Loss Market Is Vibrant

Good News – the Stop Loss Market Is Vibrant

Uncertainty and frustration abound in the healthcare market today, especially with all of the brewing legislative changes and tension over the market’s response. On the employer-sponsored plan side of things the challenge to improve affordability goes on as well – but you can only make so many plan design changes to keep up. High deductible… [Read More]

Small and Midsize Employers: Prepare for New Funding Options Flooding the Market


As post-ACA realities begin to take hold, the small to midsize marketplace is seeing an onslaught of new products that look to provide these 50-200 life groups with creative options to manage increasing costs. While some are new and cleverly designed, others are a twist on old approaches. Private exchanges, captives, and alternative funded programs… [Read More]

Nowhere to Hide: For Groups with 50-99 Employees, 2016 Is Coming Soon


The Affordable Care Act is starting to wear on me. Like bleeding to death from a thousand small cuts, the implications of this problem-ridden legislation are slowly and painfully unfolding. I am starting to be concerned about 2016. The delay in the employer mandate for groups from 50-99 employees is a good thing. Those groups… [Read More]