Fully Insured Plans

Fully Insured Plans

Fully insured group health plans account for the largest share of employer-sponsored medical coverage in the United States. The model is familiar: the carrier assumes claims risk, the employer pays a fixed premium, and the plan renews annually. That predictability is the reason most HR teams choose it. But predictability in plan structure doesn’t mean predictability in cost, and the gap between what your carrier proposes and what your organization should actually pay is where brokerage matters.

Victor Insures You is a fully insured group health insurance broker that treats every renewal and every proposal as a negotiation. We take apart carrier pricing, challenge the assumptions behind rate increases, and push for terms that reflect your group’s actual claims experience. For organizations with 100 or more employees, the dollars at stake in each renewal cycle are significant enough that passive plan management is a cost your budget cannot absorb.