Rising healthcare costs
Trend decomposition: how much of your increase is utilization, how much is plan design, and how much is simply being accepted.
For Employers
Employers with 20 or more employees rarely have a healthcare cost problem. They have a healthcare data problem. I help you see where the money actually goes, what is recoverable, and what a smarter long-term strategy looks like.
What we look at
Every engagement starts with your own data — claims, contracts, invoices and plan documents — not with a carrier quote.
Trend decomposition: how much of your increase is utilization, how much is plan design, and how much is simply being accepted.
Fully insured, level funded, self funded or captive — modeled against your cash flow and risk tolerance, not a sales preference.
ACA, ERISA and CAA 2021 fiduciary governance documented, calendared and defensible.
Enrollment, communication, navigation and utilization — the difference between a plan employees have and a plan employees use.
High-cost claimant patterns, chronic condition drivers and avoidable spend, quantified in dollars.
Independent pharmacy contract review: rebate flow, spread pricing, specialty carve-outs and definitions that quietly favor the vendor.
Outcomes
A diagnostic of this scope would typically be a paid $2,500–$5,000 engagement. It is offered complimentary to qualified employers.
Schedule a Complimentary ReviewTwenty minutes to start. Worst case, you learn your program is already competitive — and now you can prove it.
Schedule a Complimentary Review