With an "unbundled" ASO and separate stop-loss insurance arrangement, the independent carrier can often identify opportunities to collaborate with stakeholders and improve plan performance.

The rising cost of providing health insurance continues to be a significant expense for employers. To better mitigate risks, manage costs and improve health outcomes, an increasing number of employers are choosing to self-fund their employee benefit health plans. The partners they choose for design, administration and stop-loss coverage to reimburse catastrophic claims are important decisions.

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