Is Your Dealership Ready to Explore Alternative Benefits Strategies? BY HUB INTERNATIONAL Family-coverage healthcare premiums have increased 26% over the past five years, outpacing wage growth and inflation, according to KFF’s 2025 Employer Health Benefits Survey. The employers gaining visibility into what’s driving those costs — and the tools to manage them — are increasingly turning to a category of strategies once reserved for large corporations. For many small- and mid-sized employers, the question is no longer whether alternative employee benefits strategies exist — it’s whether their organization is ready to pursue them. The landscape has evolved considerably. Level-funded health plans, medical stop-loss captives for employers, reference-based pricing and partially self-funded health insurance offerings are increasingly accessible to small- and mid-sized employers. The healthcare cost-control strategies that large corporations have long used to manage their benefits spend are within reach for a much broader segment of the market than most employers realize. Accessibility is only part of the equation. The right alternative benefits funding strategy depends on a careful evaluation of where your organization is today in terms of workforce demographics, claims history, financial position, risk tolerance and cost management objectives. The employers getting the most value from these strategies have something in common — they’ve matched the right approach to their specific workforce, claims profile and financial position. What’s Driving Your Healthcare Costs? The starting point for any alternative strategy evaluation is claims data. Employers who have access to detailed claims reporting — whether through a current self-funded or level-funded arrangement or through a data-sharing agreement with their carrier — are better positioned to evaluate alternative strategies than those operating without visibility into their cost drivers. If your organization is currently fully insured and lacks access to claims data, that isn’t a disqualifier — it’s a starting point. The first step is often working with technology tools to capture your plan experience or building the data infrastructure needed to make an informed decision, alongside an advisor who can help you access and interpret that information. How Has Your Claims Experience Trended? Organizations with stable, predictable claims histories are typically the strongest candidates for alternative benefits strategies — particularly medical stop-loss captives for 10 UTAH AUTO DEALER
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