--- title: "Health Plan Industry's Worst Nightmare: Employers Realizing They Are Actually The Insurance Company - Forbes" description: Employers are starting to realize that the intermediary we call insurance companies are useless - employers are the real insurance companies. image: http://img.scoop.it/93TT7ugACTw7I_d8_AFmp7nTzqrqzN7Y9aBZTaXoQ8Q= --- [![Nonstop](https://blog.nonstophealth.com/hs-fs/hubfs/2022-nonstop/images/Nonstop_Logo-22-Horizontal%20(2).png?width=1501&name=Nonstop_Logo-22-Horizontal%20(2).png "Nonstop")](https://www.nonstophealth.com/) ** - [ Outcomes ](https://blog.nonstophealth.com/employers-are-the-insurance-company#) - [![icon-1](https://blog.nonstophealth.com/hubfs/2022-nonstop/images/icon-1.svg) Benefits Nonstop Health can improve benefits and lower costs for employees and employers. ](https://www.nonstophealth.com/benefits) - [![icon-2](https://blog.nonstophealth.com/hubfs/2022-nonstop/images/icon-2.svg) Services & Technology Get the most out of your plan with easy administration and usage tracking. ](https://www.nonstophealth.com/services) - [ Resources ](https://blog.nonstophealth.com/employers-are-the-insurance-company#) - [![icon-1](https://blog.nonstophealth.com/hubfs/2022-nonstop/images/icon-1.svg) Support Our support team is ready to help, whether you’re an employer, member, or broker. ](https://www.nonstophealth.com/support) - [![icon-3](https://blog.nonstophealth.com/hubfs/2022-nonstop/images/icon-3.svg) Case Studies Seeing our solution in action. ](https://offers.nonstophealth.com/case-studies) - [![icon-4](https://blog.nonstophealth.com/hubfs/2022-nonstop/images/icon-4.svg) Blog Insights and updates to help navigate the health insurance landscape. ](https://blog.nonstophealth.com) - [![icon-5](https://blog.nonstophealth.com/hubfs/2022-nonstop/images/icon-5.svg) Podcasts A collection of conversations built to inspire. ](https://www.nonstophealth.com/podcast) - [![icon-6](https://blog.nonstophealth.com/hubfs/2022-nonstop/images/icon-6.svg) Webinar & Guides Insights and resources to help your organization thrive. ](https://offers.nonstophealth.com/resources) - [ About Us ](https://blog.nonstophealth.com/employers-are-the-insurance-company#) - [![icon-7](https://blog.nonstophealth.com/hubfs/2022-nonstop/images/icon-7.svg) Our Team Learn about who we are and what drives us. ](https://www.nonstophealth.com/about-us) - [![icon-8](https://blog.nonstophealth.com/hubfs/2022-nonstop/images/icon-8.svg) Careers Discover rewarding employment opportunities with Nonstop. ](https://www.nonstophealth.com/careers) - [ Account login ](https://www.nonstophealth.com/alert) - [ For employees ](https://members.prod.nonstophealth.com/) - [ For employers ](https://clients.nonstophealth.com/) - [ For brokers ](https://channel.nonstophealth.com/) - [ Contact Us ](https://www.nonstophealth.com/contact-us) # Health Plan Industry's Worst Nightmare: Employers Realizing They Are Actually The Insurance Company - Forbes ![](http://img.scoop.it/93TT7ugACTw7I_d8_AFmp7nTzqrqzN7Y9aBZTaXoQ8Q=) Dave Chase recently wrote for Forbes about how the irrational set of circumstances in which the healthcare industry finds itself have certain implications - the continued hyperinflation of premiums would accelerate the employer realization that they need to take matters into their own hands and disintermediate healthcare plans. A growing number of employers are doing exactly that. Read the full article at: [www.forbes.com](http://www.forbes.com) "The best book I’ve read to help understand the underlying dynamics of healthcare’s under-performance is David Goldhill’s “Catastrophic Care: Why Everything We Know About Health Care is Wrong.” Goldhill goes into great depth on the destructive dynamics of having what he calls “surrogates” — i.e., insurance companies — between us and clinicians." - Dave Chase, *Startup Capital, Speaker, Entrepreneur, Aspiring Documentarian* *![](http://img.scoop.it/93TT7ugACTw7I_d8_AFmp7nTzqrqzN7Y9aBZTaXoQ8Q=)* Employers with 100 or more employees are wise to consider self-insurance - if a company has claims over the amount that the insurance company planned to achieve their profit target, they’d simply get it back in the following year through increased premiums (the burden falling back on employers). And the healthcare plans from insurance companies do nothing to improve patient experience or outcomes, or to lower costs. Self-insurance, or partial self-insurance, seeks to solve these issues. **Learn more about whether partial self-insurance is right for your organization by downloading our checklist now:** **[![Download the Checklist](https://no-cache.hubspot.com/cta/default/569324/4b72f681-30c3-468a-9229-2b5df67512fa.png)](https://cta-redirect.hubspot.com/cta/redirect/569324/4b72f681-30c3-468a-9229-2b5df67512fa)** The information and materials herein are provided for general information purposes only and are not intended to constitute legal or other advice or opinions on any specific matters and are not intended to replace the advice of a qualified attorney, plan provider or other professional advisor. This information has been taken from sources believed to be reliable, but there is no guarantee as to its accuracy. 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