Deep In-House Actuarial Services to Guide Your Plan
When it comes to managing rising healthcare costs, Alera Group offers the actuarial and finance expertise you can count on to optimize your benefits plan and drive value to your organization and employees.
Alera Group’s dedicated actuarial team can help you:
- Develop program strategy with a long-term view of costs and potential claims liability
- Determine the impact of program and vendor changes
- Set program budgets for planning and reporting, and monitor emerging experience against budget
- Analyze claims experience and population health trends
- Support for retiree plans, including an analysis of creditable coverage, retiree drug subsidy (RDS) attestations and actuarial valuations.
Financial Management Approach
Alera Group offers comprehensive financial management services and analysis across all aspects of your benefits program, including:
Program Strategy
Develop a baseline of long-term costs and potential cost variability. Assess the potential impact of a program strategy and vendor changes and conduct a risk assessment.
Cost Projections
Develop and update budget projections, set rates and provide long-term cost projections.
Plan Governance
Provide regular monitoring and an executive dashboard, identify key cost drivers and conduct large claims reporting.
Financial Reporting & Reserving
Establish incurred but not paid (IBNP) reserve, conduct retiree medical valuations and provide quarterly financial reporting support.
COVID-19 and Mental Health Trends
Managing rising numbers.
COVID-19 and Utilization
Impact on usage, spending and strategies.
EXPERT EDUCATION
Events and Webinars
Employee Benefits
Preparing for Open Enrollment: How to Engage and Educate Your Employees on Their Total Benefits Package
In this session, our experts will share guidance on setting yourself up for success during Open Enrollment.
August 21, 2025 at 01:00 pm CT | Virtual
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THOUGHT LEADERSHIP
Insights
Employee Benefits
Legal Alert: IRS Issues Affordability Percentage Adjustment for 2026
The Internal Revenue Service (IRS) has released Rev. Proc. 2025-25, which contains the inflation adjusted amounts for 2026 used to determine whether employer-sponsored coverage is “affordable” for purposes of the Affordable Care Act’s (ACA) employer shared responsibility provisions and premium tax credit program.
July 23, 2025
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Employee Benefits
Legal Alert: Enforcement of the HIPAA Reproductive Health Care Privacy Rule Vacated Nationwide
On June 18, 2025, a federal district court in Texas vacated a significant portion of the HIPAA Privacy Rule to Support Reproductive Health Care Privacy (“Final Rule”), which was implemented on April 24, 2024, on a nationwide basis. The Final Rule, which was implemented in response to the U.S. Supreme Court’s decision in Dobbs v. Jackson Women’s Health Organization (effectively overturning Roe v. Wade), was intended to protect the ability of individuals to receive reproductive health care when the care is provided lawfully under the circumstances without risk of an individual’s identity or health information being disclosed for purposes of state criminal, civil or administrative investigations (or for imposing liability related to lawfully providing or obtaining reproductive healthcare).
July 21, 2025
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Legal Alert: Employee Benefits Provisions in the One Big Beautiful Bill Act
On July 3, 2025, Congress passed a reconciliation bill (the “Reconciliation Act”) previously named the One Big Beautiful Bill Act, but subsequently redesignated “An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14.”
July 8, 2025
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Benchmarking: How Do Your Organization’s Employee Benefits Offerings Stack Up?
For the sixth consecutive year, Alera Group is offering a valuable piece of market intelligence: our Healthcare and Employee Benefits Benchmarking Report. We’ll introduce the 2025 edition on its release date, June 26, with a one-hour webinar beginning at 1 p.m. CT.
June 5, 2025
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