If it has been carefully developed to have a positive impact on your employees’ health and wellness, a group health program will inevitably have a tangible impact on the portion of the risk covered by an insurer: your group health program will reduce overall risk levels.

A professional consultant can work with you to define your insurance needs and establish an acceptable level of risk for your organization. The consultant will suggest a wide range of possibilities, from a fully insured plan to a self-insured plan.