Actuarial and Finance

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.

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EXPERT EDUCATION

Events and Webinars

Employee Benefits

Maximizing Impact: The Value of Voluntary Benefits for Today’s Workforce

In this session, our experts will showcase the value of voluntary benefits, from financial savings to improved retention to addressing the specific needs of their employees.

March 20, 2025 at 01:00 pm CT | Virtual

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Employee Benefits

Balancing Cost and Care: Could a Captive solution be the right fit for you?

In this session, our experts will discuss how captive solutions work and what you need to consider for your own group’s needs.

April 17, 2025 at 01:00 pm CT | Virtual

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Employee Benefits

2025 Healthcare and Employee Benefits Benchmarking Report: How Does Your Benefits Program Stack Up?

In this session, our experts will dive into the results of our annual, market-leading benchmarking survey.

June 26, 2025 at 01:00 pm CT | Virtual

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THOUGHT LEADERSHIP

Insights

Employee Benefits

The Market for Employee Benefits in 2025

Join Alera Group on January 16 from 1-2 p.m. CT as we highlight the key findings in our "2025 Employee Benefits Market Outlook" and discuss how trends in employee benefits may affect your business' offerings. The insights we’ll share and the questions we’ll answer will help you determine your benefits strategy for the months ahead.

January 6, 2025

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Employee Benefits

New ACA-Related Laws Provide More Flexibility to Employers

On Monday, December 23, 2024, President Biden signed into law two bills, H.R. 3797 (the Paperwork Reduction Act) and H.R. 3801 (the Employer Reporting Improvement Act), which will positively impact applicable large employers (ALEs) and other entities required to furnish Forms 1095-B or 1095-C to individuals.

January 2, 2025

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Employee Benefits

State of the Market for Employee Benefits in 2025

What are the needs and priorities of those in the workforce and the employment market? What are rival businesses offering to attract and retain the best the market has to offer? And what shifts are taking place in the market that employers should anticipate and prepare for? Alera Group’s 2025 Employee Benefits Market Outlook, scheduled for release on January 16, provides answers to those essential questions.

December 19, 2024

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Employee Benefits

IRS Releases PCORI Fee For Plan Years Ending Before October 1, 2025

The IRS has released Notice 2024-83, which sets the applicable PCORI fee for plan years ending between October 1, 2024, and September 30, 2025, at $3.47 per covered life.

December 12, 2024

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