Control Today’s Costs. Plan for Tomorrow.
Healthcare costs rise year after year but that doesn’t mean you have to accept unpredictable renewals or budget strain. Henderson Brothers helps employers design smarter funding models, forecast future expenses, and ensure every benefits dollar works harder for both your business and your employees.
Our Cost Control Services
Strategic Planning & Forecasting: Multi-year roadmaps using data analytics and market trends to anticipate cost drivers.
Contribution Strategy & Modeling: Scenario testing for balanced, competitive employer/employee cost sharing.
Funding Alternatives: Explore self-funded health plans, level-funded models, and stop-loss strategies to improve control.
ICHRA & Flexible Funding: Design Individual Coverage Health Reimbursement Arrangements (ICHRA) and hybrid options to fit diverse workforces.
Prescription Drug Strategy: Targeted pharmacy cost management including PBM oversight and formulary design.
This is What Partnership Feels Like
Personal
We align your benefits approach with your business goals and culture.
Proactive
We model renewal outcomes early, identifying opportunities to reduce cost before your carrier proposal arrives.
Present
We’re beside you at every decision point — renewal, audit, or budget review — ensuring clarity and confidence.
Healthcare Cost Management FAQs
Q: Can I reduce costs without cutting benefits?
Yes. Through self-funded plans, ICHRAs, and contribution modeling, we create sustainable strategies that protect both your budget and employee satisfaction.
Q: What is a self-funded health plan?
It’s a plan where the employer pays claims directly, often supported by stop-loss insurance, for more flexibility and transparency.
Q: Is ICHRA right for my business?
If you want more choice and predictable costs, an ICHRA allows employees to buy individual coverage using employer-funded, tax-free dollars.
Q: Can you forecast next year’s renewal costs?
Yes. Our actuarial modeling and data analytics help project costs months in advance so you can plan proactively.
Q: How can you help with pharmacy cost management?
We design custom pharmacy strategies — including PBM audits, formulary reviews, and rebate analysis — to lower prescription drug spend.
The Henderson Brothers Difference
At Henderson Brothers, partnership means insight, not guesswork. We lead with empathy, act with intention, and stay engaged. Our advisors combine financial strategy, analytics, and advocacy to help you control costs today and plan confidently for tomorrow.
Industry Insights
Experience the Power of Partnership
Get tailored guidance and proactive support that helps you make decisions with confidence.
beth essey
Managing Director, Employee Benefits | Henderson Brothers, Inc.
Email baessey@hendersonbrothers.com
Or call 412‑754‑3277
