Insurance Business Review: Specials Magazine

Change has become the only constant in healthcare. Regulatory shifts, political agendas, and evolving consumer expectations are reshaping the way agencies, carriers, and associations operate. For many, the challenge is staying compliant and profitable while facing shifting markets and evolving member expectations, without losing sight of growth. Premier Health Solutions (PHS), a third-party administrator (TPA), has built its reputation on providing that stability while helping partners navigate complexity with confidence. Since its inception, the company has positioned itself as both a service provider and a strategic partner that builds trust through transparency, collaboration, and a deep commitment to client success. At its core, PHS serves three groups. For independent marketing organizations and their agents, it offers benefit-rich products, competitive commissions, and turnkey back-office support that eases administrative pressure. For associations, it provides solutions that help leaders pivot with shifting state regulatory requirements while continuing to deliver member value. And for carriers, it expands distribution through trusted agency and association networks, balancing growth with compliance and ethics. Across each pillar, the value proposition is clear: keep clients productive and resilient in an unpredictable market. “What defines us isn’t just the breadth of services, but the way we approach every relationship as a true partnership,” says Michael Krzysiak, president and CFO. Clients gain direct access to compliance specialists and product experts who can be contacted to resolve issues or shape new offerings. Agencies also benefit from advanced commission financing, which offsets acquisition costs and alleviates cashflow pressures. This financial support enables partners to focus on growth rather than short-term expense management, creating an advantage that few TPAs can match. That emphasis on strengthening partners during times of change reflects the broader philosophy that guides how PHS operates. While many TPAs function as administrators that “just bill and collect,” PHS takes a consultative path by working side by side with agencies to shape products and strategies that align with real-world needs. By carrying frontline insights back to carriers, it co-develops solutions that reach the market faster and strengthen trust across the distribution chain. The result is a model that treats collaboration as a genuine driver of growth rather than a simple talking point.

Workers’ compensation claims can be complex, forcing business owners to manage medical treatment, paperwork, and rising costs. Though the system is meant to protect both employer and employee, it often leaves companies tangled in bureaucracy while injured workers wait for care and billing departments move slowly. What most employers want is simple: reliable claims handling, flexible payment options, and clear communication. They need employees to feel supported and confidence that every step, including doctor visits, paperwork, and billing, will be managed with care. Technology helps, but efficiency alone is not enough. The missing piece is the personal touch: a real conversation with someone who understands the situation and can guide both business and employee through the process. United Business Insurance Company (UBIC) delivers on that need. A company that doesn’t try to be all things to all people, but instead, has built its entire identity around a single promise: handle underwriting, billing, and claims with precision. Georgia-based and servicing the Southeast, UBIC has more than two decades of specialization in workers’ compensation, building its reputation on in-house claims handling, flexible billing, and responsive service. “All we do is workers’ compensation, so we have to be the best at it. Our agents look to us for responsiveness, and our policyholders look to us for peace of mind when claims happen. Everything we do is designed around those two needs,” says Joe Capers, executive manager. UBIC operates between two demanding worlds: independent agents who want quick quotes and accessible underwriters, and employers who need flexible billing and claims handled with care. The company stands out by handling every claim in-house. Adjusters manage fewer cases to give each the attention it deserves, guiding employers through rules and ensuring workers aren’t lost in the process. Injured employees are directed to pre-populated medical panels so treatment begins quickly and cases are managed from the start. “We pride ourselves on a personal touch in claims handling. In this industry, it’s rare to have someone actually answer the phone, but that’s exactly what we do,” says Brenda Anderson, VP of operations.