Unexpected costs are an inevitable part of life. To proactively manage these financial risks, many people and businesses are now turning to self-insurance. This approach offers a way to prepare for ...

With a self-insured health plan, your employer pays for your medical claims directly. With a fully insured plan, an insurance company pays claims on behalf of an employer. Both fully insured and ...

No matter where you live, there’s a good chance the weather’s getting wilder. In just the past few weeks, tornadoes have wreaked havoc on Midwest and Southern states, and large swaths of southern ...

Insurance is often a necessity—an expensive necessity. Car insurance averages $1,718 annually for full coverage, health insurance can cost more than $1,000 a month depending on your age and ...

Advertising disclosure: When you use our links to explore or buy products we may earn a fee, but that in no way affects our editorial independence. Rather than pay an insurance company for coverage, ...

When you choose to self-insure, you set aside money to cover unexpected events that may impact your home, vehicle or life instead of reaching out to an insurance company to purchase a traditional ...

Despite the number of Floridians without insurance policies, Friedlander doesn't recommend this option for homeowners.

Nondiscrimination requirements apply to self-insured health benefits, although the IRS announced in Notice 2011-1 on December 22, 2010, that compliance with nondiscrimination rules for health ...

Managing medical claims presents significant challenges for self-insured employers. While self-insurance offers greater control over healthcare costs, it demands sophisticated oversight of the claims ...

It is very risky for homeowners to self insure. Tasha Carter isn't mincing words when it comes to people relying on themselves for home insurance. And yet so have you been hearing of more people self ...

In 2017, the Massachusetts state Legislature passed a law to ensure ease of access to birth control. It says there should be no copay for hormonal birth control prescriptions. It also allows women to ...

To continue reading this content, please enable JavaScript in your browser settings and refresh this page. During my 20 years as a captive insurance regulator for the ...