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Risk Pooling Pays Off—But Only If Your Team Is Diverse When you bundle your crew into one plan, carriers spread the cost, and that usually translates into lower premiums per head. If you’ve got a healthy mix of ages and risk profiles, group health insurance can feel like printing money. You’re leveraging collective strength to tame individual costs. But if your staff skews older or leans heavily on chronic‑care services, those pooled savings vanish fast, and you’ll be footing the bill for everyone’s high‑cost claims. So yes; it’s worth it when your group balances out, but a homogenous, high‑risk roster can turn this perk into a budget buster. Recruitment Credibility versus Administrative Headaches Flashing a group health plan on your benefits brochure sends a clear signal: you’re serious about your people. In today’s talent war, that credibility can be the edge that tips a top‑performer into your corner. Administering open enrollment, COBRA notices, and compliance filings eats up your ...