---
title: If 1 out of every 5 years is bad for claims, will you be prepared?
description: Alternatively funded solutions to your benefits plans can actually reduce risk in the long run.
image: https://blog.aristacg.com/hubfs/Untitled%20design%20(9)-Jan-11-2023-07-15-12-2822-PM.png
---

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# If 1 out of every 5 years is bad for claims, will you be prepared?

 January 30, 2023

![At Arista, we think like this so that we can make a plan for all the possibilities—like two bad years in a row.](https://blog.aristacg.com/hubfs/Untitled%20design%20(9)-Jan-11-2023-07-15-12-2822-PM.png)

Change is hard. If you've been renewing the same fully insured plan year after year, something that looks a little more like self-funded can seem like a risky move. But we've found that alternatively funded solutions can actually reduce risk in the long run.

 

Let's take this stat For instance: 1 in 5 years is going to be a rough one for claims. That means 2 in 10 years will be bad. How might that break down?

 

Year 1 - Average

Year 2 - Good

Year 3 - Average

Year 4 - Average

Year 5 - Bad

Year 6 - Bad

Year 7 - Average

Year 8 - Average

Year 9 - Average

Year 10 - Good

 

2 good years, 2 bad, and 6 average. What if the two bad years come back to back? How do you prepare for that?

 

At Arista, we think like this so that we can make a plan for all the possibilities—like two bad years in a row. With alternative funding solutions, we can turn the good years into guardrails for the bad ones. Maximize your fortune to offset eventual misfortune. We can show you how. Let's talk:

 

 

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