“Spread the risk over more people, and you’ll have more buying power and lower premiums.” Heard that before? Well, don’t you believe it.
Whether it’s an Association Plan, a Cooperative, PEO, or Exchange, all pools have the same predictable cost trends.
Here’s another reality check; any discount that an insurer negotiates will be the same for the largest Fortune 500 account and the smallest two man group.
Real savings is more about plan design and employee engagement than pool size and buying power.
Some sales pitches make me think P.T. Barnum was in the insurance business!