The Blueprint

At RMTS, we are the architects of lasting stability for our clients and partners. Partnering with us gets you the benefit of our industry expertise and resources. It provides you with the “Blueprint” for success.

Read our blog to stay up to date with latest industry news and compliance, benefit offerings, and our custom solutions.

Industry News

In the world of risk management, the right insurance is crucial. Conventional options can often lead to costly detours or offer limited choices, presenting a challenge for businesses navigating this dynamic landscape.

Captive reinsurance can serve as a strategic advantage, bridging gaps and delivering a wealth of benefits to employers.

For growing companies navigating the labyrinth of medical stop loss policy providers, having a trustworthy coverage partner is invaluable. An MGU is an organization granted authority by one or more issuers to underwrite and administer insurance programs for the insurer(s)¹.

As the cost of health insurance continues to grow higher, securing a stable health plan for employees while cutting costs becomes more and more of a necessity. One way that employers have found to go about this is...

The one thing that doesn’t change about the insurance industry is that it continues to change—as new regulations are passed and technology advances, the insurance space is always in flux.

Health plans can be a tricky field for industry professionals to navigate, from understanding what options are available to determining what actually makes sense for your company.

The backbone of any company is its workers. But did you know that that it can cost up to 400% of an employee’s annual salary to replace them if they leave?¹

We use forms of Artificial Intelligence every day—from Alexa telling us the weather, to virtual assistants on websites, to Wall Street for stock trading. So, it feels natural that it will ...

Brokers step up to help address rising health care costs

As if brokers didn’t already have enough on their plates, employers are turning to them even more for consultation, assistance with communication, employee education, and beyond. It can be very tough to satisfy the needs of employers in this climate. Learn more about the vital role brokers play in this article from Insurance NewsNet.

Small- and medium-sized employers embrace self-insurance

In a surprising shift, large businesses are backing away from self-funding, while small and medium-sized businesses are embracing it. Discover more about the trend in this article from Fierce Healthcare.

How insurers can leverage the power of generative AI

Leave risk to the robots? Many underwriting companies are looking into generative AI to make the often exhaustive, slow, and impersonal insurance industry more efficient and user-friendly. But this doesn’t mean that human underwriters are becoming obsolete. Read more about how insurers can adopt generative AI in this article from Insurance NewsNet.

How captive insurance companies provide bank-like benefits

Captive insurance has transformed from a risk mitigator to a financial powerhouse by offering bank-like benefits, providing a reliable cash flow and a secure path to success for businesses. Explore captive insurance’s amazing benefits in this article from Insurance NewsNet.

Why Small Businesses Should Consider Self-Funded Health Insurance Plans

Inflation is already a growing concern—but did you know that health insurance premiums are increasing even faster? If left unchecked, by 2055 the average family’s health insurance premium will exceed the average wage. To learn more about how self-funded health plans can help save money, check out this article from Entrepreneur.

Payers could see 7% spike in healthcare costs in 2024

A new report from PwC indicates that health plans are modeling for inflation, and double-digit pharmacy trends driven by specialty drugs. Shifts in care settings and workforce shortages are only escalating the impact of inflation, making a tough situation that much worse. Learn more about spiking healthcare costs and their impact in this article from Healthcare Finance News.

Younger people driving more high-cost claims for employers: survey

True or false: the latest rise in high-cost claims is due to older plan members. You might be surprised to learn that the answer is false—the culprit for high costs is increasingly turning out to be the younger population. Self-insured employers face plenty of challenges trying to manage healthcare costs as it is, from the expenses of specialty drugs to the limitations of stop-loss coverage. Check out this article to learn how to cut down on unnecessary expenses.

Discover The Truth About Self-Funding — And Save on Your Health Plan

Do you believe self-funded health plans are more expensive? The truth is they save companies an average of 8-10% a year, which really adds up in the long run. Check out this article to uncover the truth about self-funding.

How strategic use of benefits accounts can ease financial stress

If you knew what cost a business a fourth of their weekly productivity, wouldn’t you want to fix that? That is what happens when employees endure financial stress. But with strategic benefits planning, you and your clients can give their employees the support they need to eliminate that worry – driving productivity and employee retention.

Study: Young people buying insurance worry about wrong risk

What is the most important factor for young people buying insurance? The answer may surprise you. A recent survey found that young buyers are worrying about the wrong risk. With benefits planning, you and your clients will help them consider the right factors.

Survey: Annual 2022 health premiums steady, but may be ‘calm before the storm’

The average premium for family coverage has risen over the years, but recent inflation will further increase it.

Employers contribute greatly to this cost and won’t be able to easily shift it to employees in a tight labor market.

According to KFF’s annual Employer Health Benefits Survey, workers at small firms pay higher deductibles, and there’s an increase in employees using mental health services.

Which benefits trends will affect employees most in 2023?

Which benefits trends will solve the challenges that the pandemic caused employers?

Many employees are recovering from financial strain, facing the hardship of becoming caregivers, and growing more concerned about their mental health.

As a result, the industry is shifting towards a customized approach to meet employees’ needs.

Workers favor health and wellbeing services when choosing an employer

The secret to every successful company is the ability to run a profitable business while attracting and retaining talented employees.

But how does one successfully do this? According to Mental Health Index, benefits and flexibility are the largest contributors to engaging and maintaining top professionals.

Employers surveyed plan to enhance benefits in 2023 to attract, retain talent

With the start of the new year, many employers are looking for ways to enhance their health and benefits offerings.

According to Mercer’s Survey on Health and Benefits Strategies, employers are reworking benefits programs to attract and retain talented employees.