Videos

Each term in about a minute and a half, worked through with real numbers. Every video sits on its glossary page, with the full write-up and the questions to ask your carrier.

Renewal drivers

1:19 · RenewalYour renewal is +14%. Only part of it is trend.

1:13 · Medical TrendWhy trend runs 18 months, not 12

1:14 · Experience RatingHow your renewal is built, in six steps

1:09 · CredibilityHow much does your own data count?

1:23 · Loss RatioYour loss ratio is 76%. Or is it 90%?

1:24 · Medical Loss RatioWhy a 90% group still got a rebate

Stop-loss

1:25 · Stop-Loss InsuranceTwo safety nets: specific vs. aggregate

Claims and measures

1:19 · IBNRWhy December always looks cheap

1:24 · PMPM (Per Member Per Month)Claims went up 10%. Cost per person went down.

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