Success Stories
Success is the sum of small efforts, repeated day in and day out. - Robert Collier
At National Insurance Services, we help public sector organizations design medical savings and reimbursement solutions for active employees and retirees, improving cost management and financial wellbeing. Read about some of our recent successes with our clients.
NIS Turns Benefits Challenge into Strategic Win with Funded ICHRA Solution
A small Minnesota school district faced a critical benefits challenge, with just 46 employees enrolled in its traditional group health plan and a 65% renewal increase. Limited carrier competition and high-deductible options left the district seeking a more flexible, sustainable solution without significantly raising costs.
National Insurance Services (NIS) introduced a funded Individual Coverage Health Reimbursement Arrangement (ICHRA), allowing employees to choose from a range of plans while rolling over unused employer contributions for future healthcare expenses. Following education and committee review, the district implemented the program.
The results were immediate: enrollment increased, plan options expanded, and nearly 70% of participants had no premium share. Employees saved thousands annually, boosted HSA contributions, and accumulated over $146,000 in HRA funds. With only modest cost increases of 5% and 4% over two years, the district turned a major renewal challenge into a long-term strategic win.
