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Employer

Ernest Health Holdings, LLC

4600 Lena Drive, Mechanicsburg, PA 17055 · EIN 45-4469878 · Jan 1, 2023 to Dec 31, 2023

Plan year 2023

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Renewal and disruption

Flags

Named parties added

+ Broker - Benefit Advisors Services Group LLC
+ Broker - Ebcg LLC
+ Broker - Threeflow
+ Broker - Img

Coverage added in the last 2 years

+ Stop-loss (2023)
+ Medical (2023)
+ Voluntary Hospital Care (2023)
+ Voluntary Critical Illness (2023)
+ Legal (2023)

Coverage removed in the last 2 years

− Other (2023)
− Accidental Death & Dismemberment (2023)
− Accidental Death (2022)

Carriers added

+ Sun Life Assurance Company Of Canada
+ Kaiser Foundation Health Plan, Inc.
+ Fideilty Security Life Insurance Company
+ Fidelity Security Life Insurance Company
+ Prudential Insurance Company Of America
+ voluntary hospital care:Cigna Health And Life Insurance Company
+ voluntary critical illness:Cigna Health And Life Insurance Company
+ legal:Metlife Legal Plans
+ accidental injury:Unum Insurance Company
+ critical illness:Unum Insurance Company
+ hospital indemnity:Unum Insurance Company

Carriers removed

− Vision Service Plan
− Life Insurance Company Of North America
− accidental death & dismemberment:Life Insurance Company Of North America
− hospital indemnity:Cigna Health And Life Insurance Company
− critical illness:Cigna Health And Life Insurance Company

Covered lives moved

4586 vs 2786 in 2022

Reported premium moved

Dental
Life
Critical Illness
Hospital Indemnity

Comp % outside peer band

Dental 1.6% · below peers p10–p90 1.8%–15.5% (median 8.1%, n=130)
Vision 1.1% · below peers p10–p90 2.6%–11.2% (median 5.1%, n=142)
Life 3.1% · below peers p10–p90 4.1%–20.2% (median 11.7%, n=232)
Voluntary Critical Illness 10.0% · below peers p10–p90 17.0%–40.3% (median 25.0%, n=5)

Peer band

360 Lancaster groups · 250+ lives

Stop-loss on filing. Median overlay uses the same lives band. Missing Schedule A is a gap, not $0.

Series

This company4,586Peer median615.5

Relationships

Who else these parties place

Alliant Insurance Services, Inc.63 other local groups

Broker

Ambassador Home Improvements, Inc., Ascend Ministries, Ascendance Trucks North America, LLC, Ascensus, LLC, Barnes-Kasson County Hospital