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Employer Benefits IQ

Health Plan Design & Strategy

Plan Design

Health Plan Design & Strategy

Health Plan Design & Strategy is the definitive course for benefits professionals who want to master the art and science of designing health plans that control costs, improve outcomes, and attract and retain talent. Across 15 modules, you will learn every major plan design strategy — from HDHP+HSA and Value-Based Insurance Design to Direct Primary Care, Centers of Excellence, behavioral economics, and emerging benefits. Built for advisors who want to be indispensable strategic partners in plan design.

15 modules11h of content5.0 certificate hoursCertificate of completion
Preview Course

What You Will Learn

Learning objectives for this course.

Design HDHP+HSA plans that reduce costs while maintaining employee satisfaction
Apply Value-Based Insurance Design principles to align cost-sharing with clinical value
Evaluate tiered networks, Reference-Based Pricing, and narrow network strategies
Build Direct Primary Care and Center of Excellence programs into plan design
Design mental health, MSK, and chronic disease management benefit programs
Apply behavioral economics principles to improve enrollment decisions and HSA adoption
Benchmark plan design against industry peers using KFF and NBGH data
Design maternity, fertility, and family planning benefits that reduce costs and improve outcomes
Build a comprehensive annual plan design review and renewal strategy process
Position and price a plan design advisory practice with recurring retainer revenue

Who This Course Is For

This course is designed for the following roles.

Benefits advisors and brokers who want to move beyond renewal management to strategic design
HR and benefits leaders responsible for plan design and total rewards strategy
Consultants building a plan design advisory specialty practice
Self-funded plan sponsors seeking evidence-based plan design strategies

Course Modules

15 modules · 75 lessons

01

Health Plan Design Fundamentals: Structure and Strategy

Build a solid foundation in plan design — understanding how every design element affects cost, access, and member behavior.

5 lessons · 45 min

02

HDHP and HSA Strategy: Consumer-Directed Health Plans

Design HDHPs that genuinely reduce costs without shifting financial risk onto employees who can't absorb it.

5 lessons · 45 min

03

Network Strategy: Narrow, Tiered, and Reference-Based Networks

Evaluate network options beyond the standard PPO — and understand when narrower networks deliver better value.

5 lessons · 50 min

04

Value-Based Insurance Design: Aligning Cost-Sharing with Clinical Evidence

Apply VBID principles to reduce cost-sharing for high-value services and increase it for low-value care.

5 lessons · 45 min

05

Multi-Plan Strategy: Offering Choice Without Adverse Selection

Design a multi-plan portfolio that gives employees meaningful choice while protecting the plan from adverse selection.

5 lessons · 45 min

06

Dependent Coverage Strategy: Eligibility, Surcharges, and Spousal Rules

Optimize dependent coverage design to reduce costs while maintaining competitive benefits.

5 lessons · 45 min

07

Ancillary Benefits Strategy: Dental, Vision, Life, and Disability

Design a comprehensive ancillary benefits package that supports recruitment and retention without overspending.

5 lessons · 45 min

08

Open Enrollment Strategy: Communication, Decision Support, and Engagement

Design an open enrollment process that drives informed decisions and reduces adverse selection.

5 lessons · 45 min

09

Telemedicine and Virtual Care: Plan Design Integration

Integrate telemedicine and virtual care into plan design to reduce costs and improve access.

5 lessons · 45 min

10

Maternity and Family Planning Benefits: Design and Cost Management

Design maternity and family planning benefits that support employees while managing one of the highest per-episode costs.

5 lessons · 45 min

11

Behavioral Economics in Plan Design: Nudging Better Decisions

Apply behavioral economics principles to plan design and communication to drive better member decisions.

5 lessons · 45 min

12

Benefits Benchmarking: Staying Competitive Without Overspending

Use benchmarking data to design a benefits package that wins talent without paying more than necessary.

5 lessons · 45 min

13

Retiree Benefits Strategy: Medicare Integration and Cost Management

Design retiree benefit programs that coordinate with Medicare and manage long-term cost obligations.

5 lessons · 45 min

14

Plan Design Renewal Strategy: Annual Review and Optimization

Build a systematic annual plan design review process that continuously improves cost and quality.

5 lessons · 45 min

15

Plan Design Advisory Practice: Positioning and Deliverables

Build a plan design advisory practice that commands premium fees and delivers measurable value.

5 lessons · 45 min

Earn Your Certificate

Complete all modules, pass the module quizzes, and score 80% or higher on the 50-question final exam to earn your certificate of completion and 5.0 certificate hours.