HPS Blog for Brokers



Reducing Costs with Self-Funded Plans

Self-funded insurance plans are paid for by employers themselves, rather than purchased by the employer from an insurance carrier. With this plan type, employers are responsible for paying

Read more...

The Benefits of Self-Funding

Many employers are looking to save on costs and, as a result, looking into self-funded insurance plans. While self-funded plans carry greater risk for the employer, they allow the employer to

Read more...

What Employees Want: 13 Benefits & Perks That Make Your Clients Stand Out

In today’s world, employers need to stand out to attract and retain top employees—and benefits are an excellent way to do this. But when it comes to which benefits employees want and which aren’t

Read more...

Cutting Benefits Won't Save You Money: How to Help Your Clients Reduce Costs Elsewhere

With employers constantly searching for ways to cut costs within their organizations, benefits such as medical, dental and vision are often the first place they turn—particularly as healthcare

Read more...

8 Ways to Help Clients Support Employee Financial Wellness

As healthcare costs rise, employees and their families are feeling the pain. When employees don’t have access to good healthcare options, understand their healthcare options or feel confident with

Read more...

The Problem with Contracted Provider Discounts

As you know, a provider network’s job is to negotiate rates with providers throughout the network, so that the insurer, employer and patient pay less for each visit or procedure. Often, these

Read more...

Create a Lower Healthcare Cost Trend for Your Company

The Centers for Medicare & Medicaid Services projects the total cost of healthcare in the United States will grow at an average rate of 5.5% per year over the next decade, reaching $5.7 trillion by

Read more...

Beyond Benefits: How Easy-to-Understand Healthcare Benefits Create Happier Employees

Having healthy and happy employees is equally important to a company and the employees themselves. Excellent healthcare benefits can help attract new employees and assure current employees their

Read more...

Clear the Confusion About Healthcare Benefits During Open Enrollment

Employees have a lot going on in their lives. When healthcare open enrollment rolls around each year, the complexity and volume of information can require more time than an employee has available,

Read more...

Is a Self-Funded Health Plan Right for Your Business?

Small and mid-size employers continually face ever-increasing health insurance costs. On a per capita basis, health spending has increased over 30-fold in the last four decades, from $355 per person

Read more...