Insights for Employers Funding Health Plans
Articles, advisory papers, and executive briefings on health plan cost structure, renewal economics, and employer benefits strategy.
Most employers are shown the renewal. Fewer are shown the structure behind it.
These insights are written to help business owners, CFOs, and executive teams understand the economic forces driving health plan cost and the strategic options available to control it.
The Enterprise Financial Impact Calculation (EFIC)
A financial modeling methodology that translates a selected health plan cost improvement assumption into measurable enterprise financial impact, including EBITDA impact, EBITDA margin impact, Equivalent Annual Revenue, cash preservation, and cumulative financial impact.
The Network Reimbursement Black Box
How opaque provider contracting and network reimbursement structures can inflate employer health plan costs long before employees use care.
The Renewal Is Only the Output
Why employers should compare renewal trend against revenue growth, margin, EBITDA, cash flow, and pricing power before accepting another increase.
When Health Plan Cost Growth Outruns Margin
A business-first framework for determining whether a health plan is sustainable or structurally misaligned with company economics.
