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Christensen Group’s practice focused on non-traditional risk financing strategies.
Christensen Group’s proprietary group captive solution that allows employers to participate in a self-funded plan with pooled support.
Insurance market in which multiple organizations join together to participate in self-insurance and pooled support.
Stop Loss layer helps mitigate extremely volatile claims.
Employer reporting requirements under the Affordable Care Act for health coverage.
A notice informing Medicare-eligible individuals whether prescription coverage is creditable.
IRS requirement mandating e-filing for filers submitting 10 or more returns.
Annual report filed with the IRS/Department of Labor detailing benefit plan financials and compliance.
IRS Forms 1094-B and 1095-B are used to report to the IRS that an individual has had minimum essential health coverage for a given tax year.
Forms 1094-C and 1095-C are used by Applicable Large Employers (ALEs)—those with 50 or more full-time or full-time equivalent employees—to report information about offers of health coverage under the Affordable Care Act (ACA).
Annual notice of prescription drug coverage status relative to Medicare Part D.
Fees paid by health insurers and self-funded plan sponsors to fund patient-centered outcomes research.
A required document that explains the features and rules of an employee benefit plan.
Rule requiring homeowners to insure at least 80% of property value to receive full replacement.
Covers liability for injury or damage to others.
Auto coverage for damage from collisions, regardless of fault.
Auto coverage for damage not caused by collisions (e.g., theft, fire, weather).
The portion of a loss the policyholder must pay before insurance coverage applies.
Coverage for natural disasters not typically included in standard homeowners policies.
Coverage for damage caused by flooding, usually purchased separately.
Pays the difference between a car’s loan balance and its market value after a total loss.
Ensures full replacement of damaged property, even if costs exceed policy limits.
Specific protection for legal responsibility for injury or property damage.
Optional rental car coverage waiving responsibility for damage or loss.
Pays medical expenses for injured passengers regardless of fault.
Coverage for medical expenses arising from injuries
Insurance for personal belongings in a vehicle.
Protects against financial loss from damage to owned property.
Broad category covering property damage and liability risks for individuals or businesses.
Protection for underground utility lines on a homeowner’s property.
Policy add-ons for specialized coverages
Extra coverage for liability when renting a car.
Coverage when another driver has no insurance or insufficient insurance.
Professional services that apply statistical methods to assess risk, cost, and funding needs.
Comparing benefits, costs, and performance to industry standards.
The use of claims data to analyze costs, utilization, and risks within benefit programs.
In-depth examination of healthcare claims to identify trends, risks, and cost drivers.
Predicting future benefit costs and liabilities to aid budgeting and strategy.
A cooperative insurance arrangement where multiple employers pool resources to self-insure.
The rate of increase in medical costs and claims over time.
Third-party administrators that manage prescription drug benefits for health plans.
Review and adjustment of plan structures during annual renewals.
An arrangement where employers assume the financial risk of providing healthcare benefits to employees.
Evaluation of whether an employer should self-fund its health benefits.
Insurance coverage that protects employers from catastrophic claims in self-funded health plans.
Additional retirement savings contributions allowed for individuals age 50 or older.
A pre-tax account for eligible dependent care expenses, such as daycare or after-school programs.
A membership model where patients pay a flat fee for unlimited primary care services.
Employer-sponsored accounts that allow employees to set aside pre-tax dollars for eligible expenses.
Employer-funded accounts that reimburse employees for qualified healthcare costs.
Tax-advantaged savings accounts used with HDHPs to pay for qualified medical expenses.
Health insurance plans with higher deductibles and lower premiums, often paired with HSAs.
IRS-approved healthcare costs that can be paid from HSAs, FSAs, or HRAs.
A rule allowing HDHP participants to access certain telehealth services without meeting the deductible.
Savings accounts designed to help families build tax-advantaged savings for children’s future needs.
Savings offered when multiple policies are purchased from the same insurer.
A credit score used by insurers to assess risk and determine premiums.
False or exaggerated insurance claims that increase overall costs.
Period when insurance premiums rise due to increased claims or reduced insurer capacity.
The cost paid by a policyholder for insurance coverage.
Auto insurance with reduced rates for drivers who drive less.
Discounts for paying premiums upfront or through certain methods.
Auto coverage priced based on driving habits tracked through technology.
Insurance claims caused by natural events such as storms or hail.
Private health plans that provide Medicare Part A and B coverage with extra benefits.
Hybrid Medicare plans available in limited regions combining aspects of Parts A, B, and sometimes D.
Standalone prescription drug coverage plans for Medicare enrollees.
Medicare Advantage plans for people with specific chronic conditions or financial needs.
Private insurance that helps cover costs not included in Original Medicare.
Life insurance offered through employers as part of employee benefits.
Health exam often required for life insurance underwriting.
Policy addition to cover valuable personal items.
Coverage that protects against financial loss arising from automobiles
Coverage for homes and personal property, including liability protection for homeowners.
Protection against legal claims for injury or damage caused to others.
A policy that pays a benefit to designated beneficiaries upon the death of the insured.
Insurance products for individuals, such as auto, home, renters, and personal liability.
Coverage for possessions inside the home, such as furniture, clothing, and electronics.
Coverage for renters’ personal property and liability, but not the building itself.
Additional coverage for high-value items like jewelry, art, or collectibles.
Extra liability insurance that goes beyond the limits of auto or homeowners policies.
Coverage for boats and personal watercraft, including damage and liability.
Charges added to claims or policy services.
Record of past insurance claims, used to assess risk and premiums.
Situations where risks are not covered by a policy.
Rental car fees for the time a damaged vehicle is out of service.
How an individual views their exposure to potential risks, which influences coverage needs.
Coverage for renting a vehicle after a covered loss.
Coverage for serivces to a disabled vehicle.
