October Virtual CE Meeting

 

October 12, 2022
10:00 AM - 11:00 AM
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Virtual Meeting

Health Plan Advising - How to Recommend Strategies and Products for Small Groups
1 CE Credit
  
Taught by Erick Kuhni
Founder, Benefit Sculptor
  
The traditional market place of health insurance for small employers has changed dramatically in the last ten years, not just in terms of product offerings, but also in terms of the overall health care strategy. For the last several decades brokers only needed to account for the fully insured products. Today they have following options to consider:
  • Fully Insured Small Group Plans
  • Self-Funding / Level-Funding
  • ICHRA / QSEHRA
Each of these strategic alternatives to simple fully insured products has a number of considerations that need to be accounted for in making recommendations. The purpose of this presentation is to serve as a high-level guideline for how a broker would evaluate each of these strategies for any given employer in order to determine a best-fit strategy. Each strategy is viable under a certain set of conditions, so in this discussion we’ll lightly introduce each strategy, discuss it’s strengths and limitations, then demonstrate how to determine the optimal strategy on a case-by-case basis. 
About the instructor:

Erick Kuhni is a health insurance professional, computer programmer, and entrepreneur who founded Benefit Sculptor. He started working as one of the youngest benefits advisors in Utah in 2003, and spent the first ten years of his career working as an health insurance producer in Utah with a local corporate agency. In addition to serving as director of the firms “small group department”, Erick was the direct broker representing more than 50 small employers. Later, Erick in partnership with his Father founded People Performance LLC, which would go on to become an independently owned benefits agency serving several small and larger employers in Utah.

In 2014 Erick began to see a need for improving how data was used and analyzed to drive decision making for Small Employers. Combining his decade long experience of how the small group market actually works, with his understanding of data, statistics, and computers, Erick began developing computer models around various benefits challenges. His main interest is in building tools that lead to better decision making, he has been contracted by several agencies to develop tools centered around network and pharmacy disruption, payroll withholding modeling, and opportunity costing of APTC subsidies. He founded Benefit Sculptor in 2018 as a decision analysis tool for comparing small group health insurance options. 

Thank you to UAHU education sponsor:

Tickets

$0.00 Member Registration

$20.00 Non-Member Registration