Louisiana Public Entities
Stop Overpaying for Health Benefits
Average savings of $47,000-$83,000 annually with
alternative funding strategies
Your next renewal could be your biggest opportunity to save taxpayer dollars
$50,000+
Average annual overpayment by parishes using only fully insured options
23%
Typical premium reduction with level-funded + supplemental tools
0%
Surplus returned to entities with traditional fully insured plans
While you're absorbing 8-12% annual increases, similar entities are reducing costs with strategic alternatives.
The $50,000 Question
How much is loyalty to your current broker actually costing?
Behind Closed Doors: What Your Broker Won't Admit
Your next renewal could be your biggest opportunity to save taxpayer dollars
Their commission is 3-5x higher on fully insured vs level-funded plans
They've never presented MERP/GAP integration because it requires expertise they don't have
That 'comprehensive market review' only includes 2-3 carriers' fully insured products
Alternative solutions exist but require work they're not incentivized to do
"Comfortable brokers rarely challenge the status quo – even when it costs you thousands."
The Hidden Alternatives Your Broker Never Mentions
Level-Funded Plans
Surplus refunds when claims run low
MERP Integration
Tax-free employee reimbursements
GAP Coverage
Reduced employee out-of-pocket costs
Stop-Loss Strategies
Customized risk protection
"Comfortable brokers rarely challenge the status quo – even when it costs you thousands."
Louisiana Public Entities Are Already Saving
Mid-Size Parish (150 employees)
Solution: Level-funded + GAP integration
Municipal Government (85 employees)
Solution: Level-funded + MERP
"We wish we had explored alternatives years ago. The savings have allowed us to improve other employee benefits while reducing our budget burden."