Why employers are overpaying for health care

Health care in the U.S. is broken for the people who pay for it. Misaligned incentives, hidden fees and a lack of transparency across the health care supply chain leave employers and their employees with coverage that is costly, complicated and confusing. Renewals go up every year, and most business owners are told there is no alternative.

Fixing American Healthcare brings together benefits advisers and consultants who are doing things differently. The book explains why the system works against employers, then lays out practical, proven strategies to fix it: self-funding, transparent pharmacy benefits, better stop-loss protection and a plan built around members instead of middlemen.

Tim Hawley’s perspective

Tim Hawley is a 27-year insurance insider and self-funding strategist. He has helped build a PBM, an MGU and captives, helped obtain a CMS contract and built Medicare Part C and Part D plans. Today stop-loss carriers consult him on contract wording that protects the plan sponsor, and he works alongside top ERISA attorneys on compliance strategy.

Tim is a Validation Institute Validated Advisor held to a fiduciary standard, a Certified Self-Funding Specialist (CSFS) through HCAA, Health-Wealth Certified and a member of the NextGen Benefits Network.

Who this book is for

• CEOs, CFOs and COOs who want to understand what is driving their health plan costs and how to control them
• HR directors and benefits leaders who are tired of accepting renewal increases with no explanation
• Business owners looking for a better way to provide great benefits without the annual budget shock
• Benefits brokers and consultants who want to bring self-funding and transparent solutions to their clients

Ready to fix your health plan?

If your renewal is coming up, or you are a producer with a group to win, let’s talk. Tim will tell you honestly whether self-funding makes sense, and help you get it right if it does.