{"href":"https://api.simplecast.com/oembed?url=https%3A%2F%2Fheads-up-adviser.simplecast.com%2Fepisodes%2F2025-self-funded-claims-update-6oroVNWm","width":444,"version":"1.0","type":"rich","title":"2025 Self-Funded Claims Update: What You Need to Know Before Your January 1, 2026, Renewal ","thumbnail_width":300,"thumbnail_url":"https://image.simplecastcdn.com/images/138a522c-9ca7-427d-9dcc-7385c8ea73bc/46565887-2d1c-4fc8-9359-d502c3cdbbd2/podcast-cover.jpg","thumbnail_height":300,"provider_url":"https://simplecast.com","provider_name":"Simplecast","html":"<iframe src=\"https://player.simplecast.com/015459b6-fc4f-41c7-a065-d38971967609\" height=\"200\" width=\"100%\" title=\"2025 Self-Funded Claims Update: What You Need to Know Before Your January 1, 2026, Renewal \" frameborder=\"0\" scrolling=\"no\"></iframe>","height":200,"description":"Fourth quarter is here, and with it comes the dreaded renewal season. Employee benefits advisors and employers are seeing shocking increases of 30%, 50%, and even 90%. But why are costs spiraling out of control, and why are so many self-funded plans, captives, and level-funded arrangements failing to deliver on their promise? "}