"The key benefits employers derive from transitioning to a self-funded program are: [1] Enhanced cost benefit transparency into every aspect of the program; [2] Expense reduction; [3] Flexibility around plan design; [4] Access to claims data; [5] Better control of claims payments and investment income on reserves. [This article provides] an overview of the actuarial components of the employer-sponsored program: projecting claims and expenses, and evaluating an employer's budget and risk tolerance."  MORE >>