As insurance rules and regulations continue to change and evolve, it’s important for all business owners and professionals to stay on top of that information. In our Insurance 101 series, the professionals of the Western Reserve Association of Health Underwriters are bringing you high-level knowledge and expertise to meet your health insurance and employee benefits needs.

The Western Reserve Association of Health Underwriters is a chapter of the Ohio Association of Health Underwriters as well as the National Association of Health Underwriters. We are a not for profit association dedicated to educating the public and decision makers about the value health insurance professionals deliver in helping consumers access the health care system and, through education and association involvement, increase members’ ability to better serve consumers. We will do so in a financially prudent and responsible manner.

Our membership represents agents who provide health insurance to companies and individuals in the State of Ohio with the customer’s best interest in mind.

Mission Statement

WRAHU will educate the public and decision makers about the value health insurance professionals deliver in helping consumers access the health care system and, through education and association involvement, increase members’ ability to better serve consumers. We will do so in a financially prudent and responsible manner.

Self-Fund Health Insurance Plans Can Cut Costs


Dee McFarland is president of the Western Reserve Association of Health Underwriters. She is a benefits consultant with AssuredPartners in Boardman. One effective way to combat increasing health care costs is to move to a self-funded insurance plan. This allows employers to take control of their benefits plan. If implemented correctly, companies can offer better benefits for lower cost. Even though these plans are called self-funded plans, an employer typically does not assume 100% of the risk for catastrophic claims....