Our core business has always been health insurance and employee benefits. The insights we gain from that work frequently allows us to add value in other areas of human capital management

Our Services


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Employee Benefits

Typical insurance renewals increase between 8% – 11% a year but can increase by as much as 18% a year. UBF can demonstrate success at limiting cost increases to just 3% per year. This saving can equate to millions of dollars.

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HR Consulting

We provide turn-key HR solutions for every stage of your company. Everything from day-to-day processes to Talent Management, Strategic Development, Change Management, Administration & Compliance.

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Health Management

Improving the wellbeing of your workforce can be one of the most rewarding things an executive team can do in terms of creating a great place to work.  Great places to work outperform normal companies 4:1 in revenue growth.

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Actuarial Services

Actuarial Services

Our actuarial services consist of statistical & financial analysis, strategy and growth, pricing & product development and compliance.

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  1. 1 2020 MEDICAL
    TREND PREDICTION

    The projected percentage increase in medical costs for 2020 is 6.0%. After accounting for plan changes, it is expected to increase by 4.8%.

  2. 2 HIGH DEDUCTIBLE HEALTHPLANS

    72% of employers offer HDHP and 32% indicate that the HDHP is their highest enrolled plan.

  3. 3 SELF-INSURANCE

    Self-insurance continue to increase in popularity with 70% of employers implementing a self-insured medical plan. 58% do not have an aggregate stop-loss coverage.

  1. 4 WELLNESS PROGRAMS

    76% of employers offer wellness programs to their employees. Majority of employers believe that their wellness programs are effective in mitigating healthcare costs.

  2. 5 PLANS FOR 2020

    47% of employers plan on increasing employee contributions and 42% plan on changing their medical benefit design to reduce premium costs for 2019.

We’re here to help make your company a Great Place to Work

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