Two Things Decide Whether You Can Self-Fund, and Neither Is Your Headcount

Every self-funding conversation starts with the same question. Are we big enough? It is the wrong one, and it has been for a while. Sixty-seven percent of covered U.S. workers are already in self-funded plans. Two things actually decide whether a transition works, and neither one is your headcount.

Cancer Is Your Plan’s Biggest Cost Driver. Here are Four Moves Before Your Next Renewal.

For the fourth year running, cancer is the top condition driving cost in employer health plans. Eighty-eight percent of large employers now rank it among their top three.

Raising a deductible does not change what your plan pays for an oncology episode. It changes who writes the first check.

Here are four moves to make before your next renewal: find where the dollars actually go, benchmark drug prices against public data, build a Center of Excellence path, and treat cancer screening as a cost strategy.

Stop-Loss Premiums Jumped 20% in 2026: Five Actions Self-Insured Plans Must Take Now

Stop-loss renewals are climbing in 2026 as million-dollar claims rise 29%. Five steps self-insured plans can take now to control cost and meet ERISA duty.