Self-Funded With Spencer How to Think Like an Underwriter (And Why It's a Game-Changer) | with Bobby Stuart
Aug 19, 2025
Bobby Stuart, a benefits consultant with Hotchkiss Insurance, shares insights on navigating the complexities of self-funding and risk management. He emphasizes the importance of 'thinking like an underwriter' to create impactful solutions for employers. Bobby discusses simplifying complex insurance jargon and the real-world strategies his team employs, such as using direct contracts for high-cost cancer care. His optimistic approach and focus on proactive healthcare can transform lives while alleviating financial burdens.
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Unexpected Career Pivot Into Self-Funding
- Bobby Stuart described joining the insurance industry through a family connection and shifting careers into self-funded benefits.
- He emphasized enjoying the creativity and impact of helping employers and employees directly.
Complexity Becomes Simplicity With Fluency
- Learning self-funding felt overwhelming at first, but boiling concepts down reveals simple solutions.
- Mastering industry language and connections makes the puzzle of benefits click into place.
Think Like An Underwriter
- Thinking like an underwriter lets you identify large-case risks and project care trajectories quickly.
- That perspective enables crafting long-term solutions that materially change plan outcomes.