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- Employee Benefits Solutions
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- Medicare for Employers and Employees
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- Commercial Marine Insurance
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- Captive Insurance
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- Cyber Insurance
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- Employee Benefits Solutions
- Employee Benefits Administration and Technology
- Employee Benefits Compliance Support
- Data Analytics Solutions - HR and Finance Leaders
- Population Health and Well-Being Services
- Pharmacy Benefits
- Voluntary Employee Benefits and Lifestyle Benefits
- Medicare for Employers and Employees
- Non-Medical Benefits and Absence Management Solutions
- Employer Stop Loss
- Multinational Liability Insurance
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- Surety Bonds
- Trade Credit Risk Solutions
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Advancing employee health and business objectives with proven insight.
Organizations face complex challenges as they seek to align broader business imperatives. Balancing recruitment, retention, and productivity alongside increasing healthcare costs and regulatory demands requires a sophisticated and experienced approach — one that is grounded in technical knowledge and deep industry perspective.
Comprehensive Health and Welfare Program Guidance
Brown & Brown serves organizations intent on optimizing the effectiveness and efficiency of their health and welfare programs. Navigating a landscape shaped by evolving regulations, rising costs, and diverse employee expectations is complex. Gain the collective knowledge of our consultants, clinicians, actuaries, and technical specialists. Our health and welfare consulting services provide clarity and can help you achieve measurable results across your benefits strategy.
Addressing the Complexities of Employee Benefits
Managing the intricacies of health and welfare programs requires more than surface-level solutions. We address your most pressing needs:
- Cost Management: Pinpointing and addressing the true drivers behind claim expenses, identifying opportunities for both immediate and long-term savings.
- Regulatory Compliance and Audit: Navigating complex federal, state, and industry regulations with detailed interpretation of legislative requirements and mandated filings to help you maintain compliance across plan communication and policy documentation.
- Comprehensive Analytics: Leveraging data to drive actionable insights — our proprietary Quality Efficacy & Cost (QEC) analytics tool audits clinical outcomes, utilization patterns, and payment integrity to support cost containment and care improvement.
- Vendor Oversight and Performance Standards: Establishing and maintaining rigorous performance criteria, evaluating vendor agreements, and negotiating terms that protect your interests and support strategic objectives.
Our suite of integrated services addresses every stage of your health and welfare lifecycle.
Strategic Account Management and Benefit Planning
We provide structured account management focused on documenting and advancing your objectives over a 12- to 18-month horizon. This approach includes ongoing meetings, recalibration of benchmarks, and precise measurement of outcomes related to administrative efficiency, compliance, finance, and overall strategy.
Audit and Compliance Oversight
Our audit and compliance team utilizes a unique data hierarchy and advanced methodologies to interpret the administrative, financial, and legal implications of legislative changes. Comprehensive services span plan reviews, discrimination testing, policy documentation, regulatory filings such as Form 5500s, and thorough operational and clinical audits.
Quality, Efficacy, and Cost (QEC) Analytics
QEC, our proprietary analytics platform, is deployed to identify aberrant clinician utilization, analyze claims by service type and reimbursement model, and flag sources of unnecessary spend such as “claim leakage.” This advanced auditing capability supports provider selection, recovery of inappropriate payments, and ongoing network optimization.
Technical Services and Benefit Design
Our multidisciplinary technical services team includes actuaries, clinicians, economists, and public health doctorates who employ sophisticated data management and risk assessment tools. We deliver population-based analytics, set actuarial accruals and reserves, conduct IRC discrimination testing, and construct customized reporting to fit your organization's needs. The team also assesses chronic care risks and special claims, guiding decision-making across funding arrangements and network management.
Additional Resources
Market Trends
Our 2026 report unites Brown & Brown and Risk Strategies resources, knowledge and proven experience to deliver stronger insurance solutions for commercial insurance, employee benefits and personal insurance.
Shaping Transparency in Today’s and Tomorrow’s Pharmacy Benefits Marketplace
True transparency in the pharmacy benefit marketplace is more than publishing numbers or simplifying reports. It requires clear contractual, financial, and clinical accountability so plan sponsors can understand what drives their costs and what ...
The Cost of Ignoring Sleep: Improving Benefits Strategies for Better Outcomes
As is often said: sleep isn’t a luxury. It is a physiological necessity.
Transforming Specialty Pharmacy: A Holistic Approach to Better Outcomes
Specialty pharmacy is undergoing transformative changes, driven by the recognition of the need for a holistic approach to patient care, complexities of new treatments, advancing technologies, and evolving healthcare policies. Amidst these ...Explore Other Brown & Brown Consulting Solutions & Services
Connect with Brown & Brown
We collaborate with HR and finance stakeholders to align benefit design, funding, and vendor oversight with your organization’s goals, using data-driven QEC analytics and regulatory guidance. Together we prioritize cost predictability, participant experience, and measurable outcomes across your health and welfare programs.
