About this event
The fully-insured vs. self-funded decision used to be primarily a size-of-employer question. In 2026, that's less true — and getting it wrong costs more than it used to.
This 45-minute working session walks brokers and employers through the decision framework that's actually predictive in 2026, with examples from real renewals across mid-market and enterprise clients.
What you’ll learn
- The 2026 decision framework
Five questions that actually predict which structure will land for a given employer — beyond the size-of-team default. - Where each structure quietly fails
The failure modes of fully-insured and self-funded plans in 2026, and the early warning signs to catch them in year one. - Reading your claims data honestly
How to use claims data to pressure-test the structure choice before committing to a plan year. - Framing the conversation at the CFO table
The language that lands with finance leaders when the structure decision is genuinely close.
Agenda
⌃8:30 AM
Registration & Breakfast
Networking with attendees and event hosts.
9:30 AM
Opening Keynote
Healthcare consumerism: where we are and where we are going.
11:00 AM
Breakout Sessions
Cost strategy, mental health, dependent coverage, and plan design.
1:00 PM
Panel Discussion
A practical discussion with benefits and finance leaders.
Speakers
Patrick Reyes
Patrick oversees Sidecar Health's go-to-market strategy and has spent two decades building broker and employer channels at Aetna, Oscar Health, and Collective Health.