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