Credit: Elnur/

In our experience, the cost of health insurance is the second largest expense behind payroll for most employers. Medical costs are trending upward and continue to outpace regular inflation while prescription costs are increasing at an alarming rate. Simple plan design changes no longer have the impact they once had to reduce premiums, yet premiums are rising in a way that is unsustainable.

Employers are increasingly considering alternative funding to control this growing expense — particularly self-funding, as it can help them spend their money in a cost-effective way and serve their population with the benefits they actually need.

Complete your profile to continue reading and get FREE access to, part of your ALM digital membership.

Your access to unlimited content isn’t changing.
Once you are an ALM digital member, you’ll receive:

  • Critical information including cutting edge post-reform success strategies, access to educational webcasts and videos, resources from industry leaders, and informative Newsletters.
  • Exclusive discounts on ALM, BenefitsPRO magazine and events.
  • Access to other award-winning ALM websites including and

Already have an account?



Join BenefitsPRO

Don’t miss crucial news and insights you need to navigate the shifting employee benefits industry. Join now!

  • Unlimited access to - your roadmap to thriving in a disrupted environment
  • Access to other award-winning ALM websites including and
  • Exclusive discounts on and ALM events.

Already have an account? Sign In Now
Join BenefitsPRO

Copyright © 2022 ALM Global, LLC. All Rights Reserved.