Alternative Funding

Avoid the high costs of traditional group health insurance plans.

Businesses today are finding it challenging to meet their goals. Health insurance premiums are forecasted to double in the next 10 years and most employers find themselves caught in an unsustainable cycle of higher premiums and lower benefits. 

Marshall+Sterling strives to develop long-term, mutually beneficial partnerships with our clients to help them contain costs while maintaining the integrity of their benefits programs.

We start by gaining an understanding of your history, competitive challenges, and future direction. We combine the perspectives and insights of your staff, human resources professionals, and executives, with our decades of experience to find the best possible options. 

We don’t push boxed solutions on our clients. Instead, we tailor our guidance to meet the unique goals of each organization.

Our exclusive partnerships with several organizations mean we can consult with organizations to find the most cost-effective plans without reducing benefits to their employees. 

For organizations with smaller populations, our SmartHealth program can offer better benefits at a lower price while also delivering enhanced employee choices.

For larger enterprises, TacticalHealth leverages the power of an extensive network of like-minded partners, robust data analytics, and leverages economies of scale to position our clients for greater short- and long-term savings. Our TacticalHealth program includes the full spectrum of alternative funding strategies, where our team evaluates objectives, risk tolerance, and the present state of claims cost drivers to provide you with a full picture of available funding options. One option includes our TacticalHealth group captive, which allows you to transition or stay self-funded, while enjoying similar protections from a fully-insured program with no new lasers at renewal and banded stop-loss renewal pricing.

Take back control of your employee benefits programs. Talk to Marshall+Sterling today.