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You've seen the numbers. You understand the transparency advantage. Now it's time to build your self-funded health plan for 2026: one that puts your company's priorities first while delivering exceptional value to your employees. Unlike traditional fully-insured plans that lock you into rigid structures designed for insurance company profits, self-funded plans give CFOs and HR leaders unprecedented control over every aspect of their healthcare strategy. The question isn't whe

Here's the uncomfortable truth: most CFOs treat their self-funded health plan like a fire-and-forget investment. Set it up, hand it off to HR, and hope the monthly reports look reasonable. That's exactly how you lose the 30-40% cost savings that drew you to self-funding in the first place. Smart companies know that self-funded plans require active management to deliver their full potential. Without proper monitoring, auditing, and optimization, you're essentially writing blan

Last week, we talked about how fully insured plans funnel your dollars to insurance company profits while self-funded plans keep savings in your pocket. But here's what we hear from CFOs and HR leaders all the time: "That sounds great, but isn't self-funding risky/expensive/complicated?" Let's set the record straight. Most of what you've heard about self-funding is outdated, incomplete, or just plain wrong. Here are the biggest myths, and why they shouldn't stop you from expl

When's the last time an insurance company sent you a thank-you note for your business? If you're a CFO or HR leader managing a fully insured medical plan, the uncomfortable truth is this: every dollar you pay in premiums directly fuels their profit margins: not your company's bottom line or your employees' healthcare outcomes. Here's what smart companies are discovering about the hidden costs baked into traditional insurance, and why 75% of employers are projected to make the