Jeb Dunkelberger

Long gone are the days of set-it-and-forget-it fully insured policies, as transparent models empower employers to take control of health insurance costs.

Alternative funding options proving to be nimble for small to midsize businesses with more localized needs and growing interest in direct contracts.

Amid the movement away from the fully insured arena, small to midsize businesses increasingly are embracing captives, cash prices, AI and other avenues.