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SPBA is the national association of Third Party Administration (TPA) firms who provide comprehensive ongoing administrative services to client employee benefit plans. SPBA also has a Stop-Loss Service Partner category for carriers, MGUs, and re-insurers of self-funded health plans.     (read more)

About TPAs

What Happens When an Employer Makes the Switch to Self-Funding
The list below was requested by a magazine to help employers to prepare them for what to expect when starting the process of shifting to a self-funded health plan with a TPA. Every situation is personalized, but these are main points to expect.

Industry Forecasts & Trends

Employee Benefits Predicted to be Abandoned by 2025 (Not!!) - May 2014
That’s the new settled “wisdom” now coming from the lips of some of the early ACA proponents.  They essentially have no signs or reasons (unlike our very specific reasons why ACA Exchanges could easily self-destruct within a few short years and/or insurance companies decide that the US market is no longer a viable business...
Personal candid comments from SPBA Active Past President, Fred Hunt

Health Reform Trends & Impacts

ACA: Accidental Birth Explains the Law's Illogic Today
Both supporters & opponents (and regulators who must implement the law) are driving themselves crazy trying to find logic and make sense of the Patient Protection & Affordable Care Act (a.k.a. PPACA, ACA, & Obamacare).  Relax…it was an accident.  The current text was never intended to be passed into law.  It was a...
Historical perspective from SPBA Active Past President, Fred Hunt

ERISA & Fiduciary

Self-Funding: Self-Funding Will Flourish in ACA
  February 2013  
A candid analysis by Fred Hunt, Active Past President, SPBA


A Wishful Thinking MEWA Mindset
Some observations from SPBA President Fred Hunt Important preface & background: Let me say that I and many people recognize that careful well-run self-funded Multiple Employer Welfare Benefit Plans (MEWAs) would help the country greatly in providing cost-effective health coverage for businesses and minimizing the number of uninsured...
No issue is so fraught with wishful-thinking errors.

Advice on Issues

Self-Funding: Why Use Self-Funding?
Why use self-funding? Clarification:  Self-funding is best known as a funding vehicle for employee benefit plans, especially health coverage.  That is the topic of this paper.  However, self-funding is also broadly used for such things as Workers Compensation and Property & Casualty coverage.  The governing laws &...
A personal candid explanation from SPBA Active Past President Fred Hunt


SPBA Self-Funding: Myths vs. Facts
  1. Myth: Self-funded plans are exempt from market reform changes under the Affordable Care Act (ACA). Fact: Self-funded plans are subject to the substantive ACA market reforms, as well as numerous other Federal laws, including (but not limited to) the Employee Retirement Income Security Act of 1974 (ERISA) (P.L. 93-406), the Health...

State Licensing

State Requirements for Third Party Administrators
Please fill out this questionnaire and click Submit to send it. Or print out the attached questionnaire, fill out and fax it to:  301-718-9440.   Or print out the attched questionnaire, fill out, scan and email to: Questions? Call Elizabeth at (301) 718-7722