Structured support for managing catastrophic claim volatility in self-insured plans

What FEB is

FEB is an adjunct financial structure designed forย self-insured employers and union plansย that helps addressย high-cost, low-frequency claim volatilityย in a more predictable and organized way.
It is not a replacement for existing health plans, stop-loss coverage, or third-party administration.

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How it works

FEB integrates alongside existing plan designs:

  • No disruption to current TPA relationships
  • No change to stop-loss arrangements
  • Implemented through standard plan documentation
  • Administered externally within an ERISA-aligned framework

Why it exists

Self-insured plans face unpredictable financial exposure from catastrophic claims. FEB was developed to introduceย structure and predictabilityย around these events while preserving existing plan integrity.

Who it is for

  • Self-insured employers
  • Union / Taft-Hartley health plans
  • Benefits advisors managing high-volatility risk environments