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January health insurance renewals will be here before you know it. As the employer, you can make sure you’re getting the best coverage for your employees and avoid any unexpected costs or gaps in your insurance. Just follow these steps: Review your current group plan: Coverage and benefits: Does your current…

Premium allocation In a fully insured plan, 100% of the premium dollar goes to the carrier, which pays the claims and manages the plan. In a self-insured plan, up to 87 cents of each dollar covers claims. The remainder covers reinsurance and administrative fees. There are two types of reinsurance…

The news has been full of cyberattacks recently and no organization is safe, regardless of its size. Cybercriminals are targeting for-profit and nonprofit organizations, public and private companies, and government entities. Their attacks are also becoming more sophisticated. Earlier this year, the website of the Pennsylvania courts system shut down…

At Oswald, we’re committed to fostering growth and driving success for both our team and our valued clients. Hear more from Bill Fisher, managing director, benefits at Oswald Companies and Michael Clark, Pittsburgh market and benefits sales leader at Oswald Companies.  

Approach Could Save Employers Money Medical treatments are moving away from the one-size-fits-all approach to personalize illness prevention and treatment. Implementing this strategy improves the member experience and can help save employees and employers money on their health care spend. Precision medicine considers the unique differences in a person’s genetic…

A common set of chemicals that appear in our drinking water, food and many consumer products is emerging as the latest threat in insurance. And companies that allow those chemicals to be used in their products likely will be held accountable by insurance companies. Though a national standard has been…

The Greater Cincinnati market is changing rapidly as a result of organic and acquisition growth. Many of our locally headquartered companies (Kroger, Community First Solutions, Heartland Bank) have become increasingly acquisitive in recent years and the area is primed for many more transactions to come. Whether you are already involved…

Employers with fewer than 100 eligible employees have often avoided self-funding their group health insurance programs because they’ve been afraid of the risk. However, with the rising costs of employee health benefits, many employers are turning to self-funding to get control of spending. There are four main components of any…

Our team’s diverse talents and passion for excellence make us unique. We build our teams across generations of experience, with diverse backgrounds and specialized skills, to put the best minds at the table to work for you and see risks from all angles.