Self-insurance is the most cost-effective way for employers to provide health benefits, according to a new white paper from the Healthcare Performance Management (HPM) Institute.
George Pantos, executive director of the HPM Institute says that companies opting to self-insure health benefits can avoid the 9 and 10 percent premium raises each year.
Since self-insured plans are exempt from state insurance mandates and premium taxes, employers can more readily customize health plans and dedicate more money to providing actual benefits.
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