Bundled vs. Unbundled Health Plans: There’s a Better Third Option When it comes to structuring a self-funded health plan, brokers usually find themselves choosing between two familiar paths: The Bundled Route (Integrated ASO programs from the big players), or The Unbundled Stack (where the broker plays architect, assembling vendors one by one). Each path comes [...]
💊 Trend Isn’t Broken, But the Road Just Got Rougher More Straight Talk on Pharmacy Risk from a Stop Loss Underwriter We knew pricing trend wasn’t going to stay quiet forever. But in just the past few weeks, the noise got louder—from trade barriers to PBM antics to a supply chain held together with [...]
In the world of employee benefits, few topics generate more confusion than self-funding. For many brokers and employers, the idea feels risky, complicated, and reserved only for massive corporations. But the truth? Self-funding, when structured correctly, is one of the smartest strategies available today. At Tactical Reinsurance, we help our partners and clients cut [...]
What’s In a Census? (Hint: More Than You Think) We get it. You’re in a rush. The broker needs a quote. The TPA is doing their best to gather info. And the enrollment census? Well—it’s "mostly" complete. Good enough, right? Not quite. As underwriters, we live and die by the quality of the data you [...]
A 2% Close Ratio: What It Means for Producers Imagine running a business where only 2% of your efforts led to a sale. How long could you stay afloat? For many Managing General Underwriters (MGUs), that’s not hypothetical—it’s reality. Some report close ratios under 1%. In today’s commoditized market, the pressure isn’t just on MGUs. [...]
