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Intelligence & Insights

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Case Studies

Performance Reports

These reports provide a roadmap for how we help brokers and plan sponsors navigate the maze of misaligned incentives to secure high-performing benefit ecosystems.

Health Insurance Services case study cover with periwinkle gradient background and shield watermark, titled "International Sourcing: How to Stop the Specialty Spiral" for a Toledo Manufacturer.
Toledo Manufacturer

International Sourcing: How to Stop the Specialty Spiral

A Toledo manufacturer trapped in a specialty drug death spiral — where eight members drove 80% of pharmacy spend — cut specialty costs by 86% and eliminated member copays entirely through international sourcing that also removed stop-loss lasers and restored budget predictability.
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Health Insurance Services case study cover with periwinkle gradient background and shield watermark, titled "Pouring the Foundation for Permanent Predictability" for a Southwest Construction Equipment Rental company.
Southwest Construction Equipment Rental

Pouring the Foundation for Permanent Predictability

A Southwest construction equipment company facing $4.25M in uncapped stop-loss exposure from recurring specialty medication costs saved $1.5M immediately and achieved three years of zero-variance budgeting through a custom Capped Exposure framework that maintained full care continuity for the affected family.
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Health Insurance Services case study cover with periwinkle gradient background and shield watermark, titled "Scaling Stability in the California Retiree Market" for a Multi-Entity Educational and Public Sector Group.
Multi-Entity Educational + Public Sector Group

Scaling Stability in the California Market

Across multiple California public-sector entities facing 20–35% annual premium spikes, we delivered an average 22% cost reduction and neutralized future increases by replacing restrictive carrier networks with custom plan designs and unified administration.
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Health Insurance Services case study cover with periwinkle gradient background and shield watermark, titled "Our Mission to Protect the People" for the United Methodist Church State Conference.
United Methodist Church State Conference

Our Mission to Protect the People

The United Methodist Church State Conference eliminated a $12M liability and unlocked $1M in annual savings for 800 retired clergy by replacing a fragmented benefits model with a precision-engineered system that enhanced coverage while locking in cost predictability through 2027.
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Health Insurance Services case study cover with periwinkle gradient background and shield watermark, titled "Securing the Future for a Legacy of Learning" for Ohio Wesleyan University.
Ohio Wesleyan University

Securing the Future for a Legacy of Learning

Ohio Wesleyan University cut retiree healthcare costs by 49% in year one and freed its HR team entirely by replacing a fragmented Medicare Supplement approach with a unified Passive PPO infrastructure and dedicated retiree service layer.
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Case Studies

Performance Reports

These reports provide a roadmap for how we help brokers and plan sponsors navigate the maze of misaligned incentives to secure high-performing benefit ecosystems.

Toledo Manufacturer

International Sourcing: How to Stop the Specialty Spiral

A Toledo manufacturer trapped in a specialty drug death spiral — where eight members drove 80% of pharmacy spend — cut specialty costs by 86% and eliminated member copays entirely through international sourcing that also removed stop-loss lasers and restored budget predictability.
Southwest Construction Equipment Rental

Pouring the Foundation for Permanent Predictability

A Southwest construction equipment company facing $4.25M in uncapped stop-loss exposure from recurring specialty medication costs saved $1.5M immediately and achieved three years of zero-variance budgeting through a custom Capped Exposure framework that maintained full care continuity for the affected family.
Multi-Entity Educational + Public Sector Group

Scaling Stability in the California Market

Across multiple California public-sector entities facing 20–35% annual premium spikes, we delivered an average 22% cost reduction and neutralized future increases by replacing restrictive carrier networks with custom plan designs and unified administration.
United Methodist Church State Conference

Our Mission to Protect the People

The United Methodist Church State Conference eliminated a $12M liability and unlocked $1M in annual savings for 800 retired clergy by replacing a fragmented benefits model with a precision-engineered system that enhanced coverage while locking in cost predictability through 2027.
Ohio Wesleyan University

Securing the Future for a Legacy of Learning

Ohio Wesleyan University cut retiree healthcare costs by 49% in year one and freed its HR team entirely by replacing a fragmented Medicare Supplement approach with a unified Passive PPO infrastructure and dedicated retiree service layer.
Market Intelligence

Field Guides & News Feed

Practical answers and deep-dive analysis on fiduciary compliance, clinical architecture, and risk management.

Toledo Manufacturer

International Sourcing: How to Stop the Specialty Spiral

A Toledo manufacturer trapped in a specialty drug death spiral — where eight members drove 80% of pharmacy spend — cut specialty costs by 86% and eliminated member copays entirely through international sourcing that also removed stop-loss lasers and restored budget predictability.
Southwest Construction Equipment Rental

Pouring the Foundation for Permanent Predictability

A Southwest construction equipment company facing $4.25M in uncapped stop-loss exposure from recurring specialty medication costs saved $1.5M immediately and achieved three years of zero-variance budgeting through a custom Capped Exposure framework that maintained full care continuity for the affected family.
Multi-Entity Educational + Public Sector Group

Scaling Stability in the California Market

Across multiple California public-sector entities facing 20–35% annual premium spikes, we delivered an average 22% cost reduction and neutralized future increases by replacing restrictive carrier networks with custom plan designs and unified administration.
United Methodist Church State Conference

Our Mission to Protect the People

The United Methodist Church State Conference eliminated a $12M liability and unlocked $1M in annual savings for 800 retired clergy by replacing a fragmented benefits model with a precision-engineered system that enhanced coverage while locking in cost predictability through 2027.
Ohio Wesleyan University

Securing the Future for a Legacy of Learning

Ohio Wesleyan University cut retiree healthcare costs by 49% in year one and freed its HR team entirely by replacing a fragmented Medicare Supplement approach with a unified Passive PPO infrastructure and dedicated retiree service layer.

FAQs

Find the answers for your most frequent questions all in one place.

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Which resources apply to my situation?

Our guides cover retiree benefits, pharmacy strategies, and stop-loss protection. Browse by topic or read through our full library to find what matches your specific challenges. Each piece is written for professionals who deal with these issues daily.

Can I download these materials?

Yes. Most resources are available in downloadable formats. You can save them, share them with your team, or reference them during planning sessions. Some specialized guides may require a brief conversation with our team first.

How often are new resources added?

We publish new insights regularly as benefits landscapes shift and new challenges emerge. Check back often or contact us to stay informed about the latest additions to our library.

Do you offer custom resources?

We do. If you need guidance tailored to your specific situation, our team can develop custom materials and analysis. Reach out to discuss what would serve you best.

What if I need more than reading material?

These resources are a starting point. For deeper strategy work, specialized support, or ongoing guidance, Health Insurance Services Inc. offers direct consultation. Contact us to explore how we can help beyond what's in our library.