Since Obamacare, the future of fully insured health plans is in question. The restrictions on health insurance companies, ACA requirements, plus ramifications on employers who buy fully-insured employee health coverage are driving unsustainable cost increases.

If your goal is to find more affordable ways of providing competitive, value-based benefits; we are your partner.

Hettesheimer Insurance Agency Inc. & Associates is big enough to service all your needs but small enough to deliver superior service and always know who you are. We custom craft your game plan to ensure your organization not only succeeds but is best in class. We work every day to ensure plan success. Benefits must “Retain & Attract Talent!” We train your staff as our approach to problem-solving is different and creates evidence-based clinical and financial measured results. We help develop your culture. The answers to how healthcare is delivered and where the money is really going will likely surprise you. If we are going to have a serious debate about healthcare cost, it is time for employers to fully understand and reclaim this most important issue.

Hettesheimer Insurance Agency, Inc., & Associates partners with you in addressing the needs of your organization. We bring our domestic and international expertise in insurance, risk management, claim auditing, predictive cost analysis, medical tourism, workplace benefits and wellness programs to present different results. None of our competitors have more experience, knowledge, and know-how in custom crafting a high-performance solution for your business.

It is apparent that doing the same processes in healthcare cannot create different results. We are not “Healthcare Business as Usual.” HIA Inc.’s philosophy is not traditional problem-solving and solutions. 

Maximize the Competitive Value of Your Employee Benefits

Sadly, insurance companies became the political scapegoat of health reform, and so, many of the reforms spotlight insurance companies for limitations & requirements that are guaranteed losers. It simply will not make sense to insurance companies and their investors & owners to lose hundreds of millions of dollars. If your group is of average health, none of the fully insured carriers - Anthem, Humana, United Healthcare, Starmark, Trustmark, Aetna, Cigna, Medical Mutual, and others - cannot compete with the cost associated with our superior benefit offerings. If they could, we would recommend them as we have been for 50+ plus years an independent insurance agency.

What is going on is sad and unfair...but it is now entrenched, and traditional small group health insurance (under 50 employees) may disappear. On the brighter side, several years ago, several innovators foresaw the possibility of the market in the US for fully-insured health policies & plans disappearing for whatever reasons. ERISA (self-insurance) provides new opportunities for employers to craft their own group health benefits.

By definition, self-funded plans, have no profits, most have fiduciary protections, so the punitive restrictions forced on health insurance companies do not apply. Also, there is much more control & flexibility for employers to design and administer their plans for the wants & needs of each particular workforce. So, the kinds of controls, limits and governmental second-guessing are not involved.

Self Insurance with a "Safety Net"

Advantages of Self-funding under the Affordable Care Act

- Self-funded plans exempt from many costly new mandates and state taxes
- Many ACA provisions do not apply to self-funded plans
- Ability to customize plan designs
- Higher probability of reducing cost & trend of medical benefit expense
- Wellness and member engagement programs have a direct impact on reducing claims costs

Average Savings is $1,200.00 per employee per year!