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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)

Old Cost
$89,000/month

New Cost
$67,000/month

$264,000
Annual Savings

Solution: Level-funded + GAP integration

Municipal Government (85 employees)

Old Cost
$52,000/month

New Cost
$41,000/month

$132,000
Annual Savings

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."

Your Current Renewal Window Is Closing

Free Cost Analysis

48-Hour Turnaround

What's Included:

Current plan audit vs market alternatives

Projected savings with level-funded + supplements

Risk assessment and implementation roadmap

No obligation. No sales pressure. Just facts.