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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 SPBA & Industry Trends

Welcome to the SPBA Website
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. SPBA is a unique community offering an ongoing exchange of...

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

State of the TPA Industry & Forecast as of March 2014
State of the TPA Industry & Forecast – March 2014 by SPBA Active Past President Fred Hunt I have written these reports for a third of a century.  My “sources” are hundreds of chats with members, occasional clients, and my fellow SPBA staff.  I am pleasantly surprised that the forecasts have had over-90% rate of...

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

MEWAs

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

Stop-Loss

Old Deficit Law Triggers Modern Stop-Loss Misunderstanding
This is a sample of "big picture" perspective pieces constantly prepared for SPBA members.  There are alo detailed technical analysis of issues with insider insights for compliance. (Those who do not know history are doomed to repeat it.  Or, in this case, to create more problems.) Laws have a tendency to trigger unintended...
Historical perspective from SPBA Active Past President Fred Hunt

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:  Elizabeth@spbatpa.org Questions? Call Elizabeth at (301) 718-7722