
For small and mid-sized businesses navigating rising health insurance premiums, level-funded health plans offer a compelling alternative between fully insured and self-insured models. We recently worked with a 15-employee group on a fully insured plan and helped them save over $52,000 annually by switching to a level-funded model —all while maintaining robust employee benefits.

For small and mid-sized businesses, group medical insurance premiums are rising rapidly, and Q4 is the busiest time to make renewal decisions. Smart companies are turning to Professional Employer Organizations (PEOs) to unlock large-group buying power , streamline HR, and reduce costs—all without cutting employee benefits. We recently worked with a 125-employee company and helped them save over $250,000 annually by moving to a PEO master health plan , while keeping employee benefits at the same high level.

Did you know that 85% of businesses renew their group medical insurance in the fourth quarter ? For HR teams and business owners, this period can feel overwhelming—especially as premiums continue to rise by double digits . If you’re looking to control costs, maintain employee satisfaction, and maximize benefits , this is the perfect time to explore creative strategies like PEOs (Professional Employer Organizations) .