Strategic Health Benefits Cost Advisory.
Does your health plan still make economic sense?
Most employers judge their health plan by the renewal. That is too late.
The renewal is only the visible result. The real question is whether the structure behind the plan is still aligned with the economics of the business.
Cognizant Benefits Solutions helps employers analyze health plan cost structure, renewal trend, claims risk, funding arrangement, network pricing, and the financial pressure the plan places on revenue, margin, EBITDA, and cash flow.
We Analyze What Matters
Revenue
Margin
EBITDA
Renewal Trend
Plan Structure
The renewal is not the diagnosis. It is the symptom.
If healthcare costs are growing faster than revenue and faster than margin, the plan is not just expensive. It may be structurally misaligned with the business. A renewal can look competitive in the insurance market and still be unsustainable for the company funding it. Cognizant Benefits Solutions examines the structure behind the renewal to determine whether cost is being driven by actual claims risk, carrier underwriting, network reimbursement, plan design, contribution strategy, or avoidable structural cost.
Business Economics
We compare health plan cost growth against revenue growth, margin pressure, EBITDA, payroll, cash flow, and pricing power over a three-to-five-year period.
Plan Cost Structure
We examine whether the plan’s current funding arrangement, carrier pricing, network model, plan design, and contribution strategy still fit the business.
Alternative Strategy
We evaluate fully insured, level-funded, self-funded, reference-based pricing, carrier alternatives, network options, and compliance considerations when appropriate.
Built for employers who need more than another quote.
This work is designed for business owners, CFOs, presidents, controllers, and executive teams responsible for managing both employee benefits and company financial performance.
It is especially relevant when renewals are repeatedly exceeding normal business growth; the company is profitable but health plan costs are absorbing margin; leadership suspects the current plan is no longer economically aligned; the group is healthy but pricing does not reflect the underlying risk; or the employer wants a serious second opinion before accepting another renewal.
Led by Scott F. Ingalls, REBC
For 37 years, Scott F. Ingalls has advised Pennsylvania employers on group health benefits, serving the market since 1989. His work combines carrier knowledge, plan funding strategy, compliance awareness, claims interpretation, and real-world employer economics.
Cognizant Benefits Solutions is not anti-provider, anti-carrier, or anti-benefits. The objective is simple: to help employers understand whether the health plan cost structure they are funding is reasonable, transparent, and aligned with the economics of their business.
Before you accept another renewal, examine the structure that produced it.
A short conversation will determine whether there is anything worth reviewing. If there is, we will explain the next step clearly.