Group Advisory
Services > Group Advisory
Alternative Benefit Strategy
Structured Risk. Long-Term Cost Control.
Finding Inspiration in Every Turn
The traditional fully insured model was not designed for long-term cost stability. It was designed for annual renewal cycles.
At Seeker Insurance Solutions, we specialize in alternative funding strategies that give employers structural control over their health plan — not just temporary rate relief.
Our focus is disciplined plan design, risk management, and long-term cost containment.
The Problem We Solve
Most employers are stuck on the renewal “merry-go-round”:
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Double-digit increases
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Reactive plan changes
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Limited claims transparency
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No long-term financial strategy
Short-term savings without structural reform simply delay the next problem.
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We help employers exit that cycle.
Areas of Expertise
1
PPACA Compliant MEC & MV Plans
Affordable Care Act compliance requires precision — especially for employers navigating mandate thresholds, contribution strategy, and affordability testing.
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We advise on:
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Minimum Essential Coverage (MEC) structures
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Minimum Value (MV) plan design
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Employer mandate strategy
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Affordability modeling
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Contribution strategies
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Reporting considerations
Compliance should support the broader funding strategy — not operate separately from it.
2
Level-Funded Major Medical
Level-funded plans combine predictability with partial self-funding mechanics.
They are often an ideal entry point for employers transitioning out of fully insured arrangements.
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Advantages may include:
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Fixed monthly payments
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Potential surplus refunds
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Improved underwriting visibility
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Lower long-term trend when structured correctly
We evaluate whether level-funding is appropriate based on:
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Claims history
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Demographics
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Risk tolerance
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Long-term objectives
The goal is to build a sustainable cost structure.
3
Self-Funded or Partially Self-Funded
Self-funding allows employers to assume a measured level of risk while gaining access to claims transparency and plan design flexibility.
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When structured properly, self-funded plans can:
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Reduce long-term volatility
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Provide detailed claims data for smarter decision making
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Create real cost containment opportunities
We assist with:
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Carrier and TPA evaluation
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Ongoing claims review and trend analysis
Self-funding is not about gambling. It is about disciplined underwriting and strategic design.
The "Next" Alternative
The alternative funding market is constantly evolving. New programs emerge. Carrier appetites shift. Regulations change.
We continuously source and evaluate emerging structures — from cost containment solutions and specialty networks to pharmacy sourcing and risk-sharing platforms.
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Every model is vetted for underwriting discipline, financial strength, administrative integrity, and long-term sustainability.
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If it does not meet structural standards, we do not deploy it.
Innovation matters but stability matters more.