A derivatives desk
for the group health plan.
The most volatile unhedged derivative on your balance sheet is the one your broker calls a health plan. We price it. We mark it to market. We govern it — for self-funded and level-funded US employers with 200 to 5,000 employees.
Forty-five days. Full claims reconstruction. Network repricing analysis. Actuarial reserves restated. A repriced binding quote, not a PowerPoint.
Who this is for.
Hedge Actuarial works with one kind of buyer: the CFO of a US employer with 200 to 5,000 employees, a self-funded or level-funded group health plan, and an annual healthcare spend running into seven or eight figures.
If your plan is fully insured and you are not contemplating moving off it, we are not the right desk. If your headcount is under 200, the math does not yet justify our engagement model. We will tell you that on the scoping call.
The position you are holding.
Most CFOs hedge fuel, FX, rates, and commodity exposure as a matter of governance. Then they sign an eight-figure annual check against a category with double-digit annual variance — and call it a benefits program.
The group health plan is functionally a short straddle written naked on aggregate utilization and unit cost. No mark-to-market. No greeks. No governance.
That is not benefits administration. That is a multi-million-dollar derivative position governed by procurement.
Hedge Actuarial is the actuarial desk your plan has never had — built for the CFO of a US employer with 200 to 5,000 employees on a self-funded or level-funded health plan.
The work the position requires is actuarial pricing and risk underwriting. The work your broker is trained for is procurement and renewal paperwork. Most CFOs are paying a broker to do a job that requires an actuary and an underwriter — and the broker has been trained to do neither. That is the gap. We fill it.
Volatility, not cost, is the real problem.
How much can you save us?
How much variance is the audit going to compress, and what is the standard deviation of next year’s spend after the architecture is rebuilt?
Cost is the symptom. Volatility is the disease. We sell volatility compression. The cost savings come along for the ride.
What your broker bills for and never does.
We do the work your broker has been billing you for and never doing.
Forty-five days. Full claims reconstruction. Network repricing analysis. Actuarial reserves restated. A repriced binding quote, not a PowerPoint.
Read the audit methodology →Transparency. Control. Governance. Stewardship. That is the brand. There is nothing else to say.