Insights

Gene therapy is changing the way we think about healthcare and treatments for chronic diseases—and for self‑funded employers, it’s bringing serious financial shock potential. With many therapies priced between $2 million and $4 million per treatment, a single claim can throw an entire plan year off balance [1–4]. Additionally, as the number of FDA‑approved cellular and gene therapies keeps climbing, traditional stop‑loss coverage isn’t built to handle this level of volatility anymore [5, 6].

In a market where operational precision and customer experience can make or break growth, Business Process Outsourcing (BPO) has evolved from a cost saving lever into a strategic engine for scale. Insurers and those administering health care are

Self‑funded employers have a unique advantage: the ability to design a health plan that reflects their workforce needs while maintaining stronger oversight of costs and performance. When employers partner with a third‑party administrator (TPA) that

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Discover how PAI can integrate case, disease & utilization management with Be Well programs, PAI Analytics®, and precision medicine to cut costs and improve outcomes.

Discover proven strategies to reduce holiday stress at work and boost productivity. Learn how self-funded health plans support employee well-being and save costs.

Tired of out-of-control health plan costs and one-size-fits-all options? There’s another way. Level-funded health plans are the rising solution for small and mid-sized employers looking for real cost control and a better benefits experience.

If you're a broker, agent, or HR leader, you've likely faced this question: “How can we offer affordable, ACA-compliant health coverage for employees who don’t qualify—or can’t afford—major medical insurance?” Discover Minimum Essential Coverage (MEC) and MEC+ plans—smart, strategic solutions that empower employers to maintain compliance while offering meaningful benefits to their workforce.

Why 2026 Is the Year for Self-Funded Health Plans: Rising healthcare costs, evolving workforce needs, and a demand for greater control are pushing employers to get strategic about health care offerings. HR leaders and benefits agents/brokers have the ability to strategically control costs with self-funded and level-funded plans. Partners like PAI can provide employers with real-time data, customizable benefit design, and more cost savings.

Let’s Make Healthcare Personal Again What if your employees could get the kind of healthcare that truly fits them—not just based on diagnoses, but on their unique genetic makeup? With the new partnership between Planned Administrators Inc. (PAI) and