Employers who are exploring level funding or captives often ask the same question early in the process: can we keep our HMO and still move into a self-funded model? In most cases, no. An HMO is typically built on a capitated payment structure, which is fundamentally different from the fee-for-service claims model used in self-funded […]

What Employers Need to Know About Health Plan Compliance Federal law prohibits discrimination in employee benefit plans, but not all benefit types are treated equally. While retirement plans have their own complex rules, group health and welfare benefits fall under a separate set of nondiscrimination standards that employers must understand to remain compliant. In this […]

Cost Control Without Cutting Corners For many employers, health benefits represent one of the largest recurring costs, and one of the most opaque. Yet too often, plans are renewed with little scrutiny or strategy. At Parker Insurance, we believe employers deserve a playbook, not just a renewal form. In this guide, we walk you through […]

In the search for smarter, more cost-effective employee health benefits, employers are venturing beyond the traditional path of fully insured plans. At Parker Insurance, we work with decision-makers—particularly at car dealerships, private equity-backed tech companies, and multi-entity organizations—who are ready to explore calculated risk in exchange for potential reward. That’s where alternative funding models come […]

As we begin 2026, health plan sponsors face another year of required filings, notices, and disclosures tied to federal compliance rules. These deadlines support ongoing adherence to ERISA, the Affordable Care Act, HIPAA, Medicare Part D, and other governing regulations. Staying organized at the start of the year helps reduce the risk of penalties and […]

The Hidden Inefficiency in Multi-Entity Health Plans For private equity (PE) acquisition groups and multi-entity corporations, the true inefficiency isn’t always in operations, it’s often buried in your health benefits structure. When each portfolio company maintains its own fully insured health plan, you lose the scale and predictability your investment model depends on. Multiple carriers, […]