The way insurance works, healthy groups help support unhealthy groups. When employers buy health insurance, they are sharing risk with a number of employers, many of which are unhealthy. Many mid-sized employers are choosing to share risk with like-minded, healthy, proactive employers. These employer's health insurance rates are trending under 3% per year. They are achieving long-term sustainable healthcare savings.

1. Rising Healthcare Costs are Unsustainable
Are you a
D N thi CDo Nothing Company
or a
Champion Compan ?Champion Company?

2. Health Insurance premiums have
increased 131% nationwide in the
past 10 yearspast 10 years

3. Fully-insured health insurance
premiums are projected to increase
another 30-50% in the next 4 yearsanother 30 50% in the next 4 years

4. Self-funded health plans are
projected to increase 5-10% during
the next 4 yearsthe next 4 years

5. Should good drivers pay the sameg p y
premium as bad drivers?
Should employees who practice
healthy lifestyle choices pay the
same premium as those who dosame premium as those who do
not?

6. Are you frustrated with unjustifiedAre you frustrated with unjustified
health insurance rate increases?

7. Is your company a “Do Nothing
Company” and simply pays for the
exorbitant annual healthcareexorbitant annual healthcare
increases?

8. How does a “Do Nothing Company”How does a Do Nothing Company
address a 15% rate increase?
Do they reduce benefits sell moreDo they reduce benefits, sell more
product, and/or increase
ffi i i t f thi i iefficiencies to pay for this rise in
healthcare costs?

9. What does a “Do Nothing
Company” do the following yearCompany do the following year
when health insurance rates
increase another
10-15%?10 15%?

10. Is your company one of the
“healthy” companies supporting the
unhealthy companies in the healthunhealthy companies in the health
insurance marketplace?

11. Good news! There are high
performing companies trendingperforming companies trending
under 3% per year
Would you like to learn how?Would you like to learn how?

12. Did you know that 20% of your
employees likely incur 80%
of your medical claims?of your medical claims?

13. What if there was a way to engage
these employees to better manage
their health?their health?

14. Would you like to learn how toWould you like to learn how to
achieve long-term sustainable
healthcare savings?

15. Would you like to learn how toWould you like to learn how to
minimize insurance carrier profit?

16. If your health insurance premiumsIf your health insurance premiums
were influenced by who your
company shares risk with,
would you prefer to share risk withwould you prefer to share risk with
healthy, like-minded, proactive
l ?employers?

17. Is your company interested in
having a competitive advantage by
having the healthiest mosthaving the healthiest, most
productive employees possible?

18. Is your company interested in
technology which allows you totechnology which allows you to
measure, manage, interpret, and
present exactly what is driving
corporate healthcare costs?corporate healthcare costs?

19. Is your company tired of raising
copays raising deductiblescopays, raising deductibles,
reducing benefits, and passing
health insurance rate increases to
your employees?your employees?

20. To learn how mid-sized employers
nationwide are taking control ofnationwide are taking control of
their group healthcare exposure,
please contact:
Gary BeckerGary Becker
gary@beckerbenefit.com
410 902 8800410-902-8800
www.beckerbenefit.com