Louisiana Public Entities
Stop Overpaying for Health Benefits
Average savings
$300K-$500K for 100-200 employees
$500K-$2Mil for 300+
Your next renewal could be your biggest opportunity to save taxpayer dollars
$300,000+
Average annual overpayment by small public entities using only fully insured options
30%
Typical premium reduction with level-funded + supplemental tools
100%
Surplus returned to entities vs Traditional plans
While you're absorbing 8-12% annual increases, OUR Clients are reducing costs with strategic alternatives.
The $500,000 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 other plans
They've never presented tools like MERP/HRA/GAP integration because it requires expertise they don't have
Their "comprehensive market review" only includes 2 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
Self-Funding for entities under 500 employees
MERP Integration
Total Plan customizations
GAP Coverage
Reduced employee out-of-pocket costs
Stop-Loss Strategies
Customized risk protection
Louisiana Public Entities Are Already Saving
Mid-Size Parish entity (150 employees)
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."