Funding Models in Group Insurance: Understanding Risk (Part 1) with John Cochrane
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Funding Models in Group Insurance: Understanding Risk (Part 1) with John Cochrane
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In Part 1 of this two-part series, host Gianna Ricciardi is joined by John Cochrane, Partner and Founder of JD Consulting, to explore the often-misunderstood world of group insurance funding and underwriting arrangements.
Drawing on over 25 years of experience in employee benefits consulting, John outlines the three primary funding models—fully insured, refund (retention) accounting, and administrative services only (ASO)—and explains how each structure allocates risk between the insurer and the client.
Listeners will hear a real-world scenario involving a 600-employee organization that has managed its plan directly with an insurer for over 20 years without advisory support. After agreeing to a confidential audit, the company uncovered significant inefficiencies in its funding model.
📆 Part 2, airing next month, will unpack the audit findings in more detail and share actionable insights for employers considering a funding model shift.
Who Should Listen?
- 🎯 HR and payroll professionals managing group insurance plans
- 🎯 CFOs and finance leaders focused on cost containment and plan ROI
- 🎯 Employers with growing teams and evolving risk profiles
- 🎯 Benefits consultants and advisors seeking clearer ways to explain funding models
Mentioned Links:
- JD Consulting
- John Cochrane’s LinkedIn
Stay Connected to Vita Assure: Insurance and Workplace Benefits
- Vita Talks Podcast
- Vita Assure Website
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