Case Study: Bexar 7 & Bexar 2

19:21 Consultants
Nov 7
2 min read

Executive Summary

Bexar County Emergency Services Districts 7 and 2 each experienced very different plan years — one strong, one challenging. Together, they show how self-funding empowers employers to maintain stability and control regardless of performance.

Partnering with 19:21 Consultants provided both districts with data-driven insight, transparent plan management, and the confidence to navigate change. The results demonstrated that self-funding delivers measurable rewards in good years and reliable protection in difficult ones.

The Problem

Before working with 19:21 Consultants, both districts needed to understand how self-funding would perform in two very different claim environments. Their goals included:

Managing volatility without major disruption.
Maintaining predictable renewals year over year.
Using data to guide informed decisions and future planning.

Traditional fully insured structures offered limited flexibility and no return of premium. Each district needed a benefits strategy that provided ownership, transparency, and stability through all market conditions.

The 19:21 Solution

19:21 Consultants partnered closely with both districts to design, implement, and manage self-funded health plans tailored to their needs.

Bexar 7 – A Strong Year

Achieved excellent performance with strong claims management and engaged employees.
Outperformed the fully insured market, with total costs 18% lower than comparable options.
Built meaningful reserves to protect future plan stability.

Bexar 2 – A Challenging Year

Experienced a high-claims year and reached its maximum liability.
Implemented targeted cost-control strategies to address key claim drivers.
Renewal pricing landed only 1% above the fully insured market, demonstrating the stability of self-funding even in difficult conditions.

Ongoing Partnership

19:21 Consultants modeled renewal scenarios, provided transparent reporting, and guided both districts through proactive financial planning. Their support ensured each plan remained sustainable and strategically aligned.

The Outcome

Financial Stability

Both districts maintained control of their plan costs and protected against long-term volatility.

Strong Year Returns

Bexar 7 retained $225K in reserves (22% of total premium) and achieved costs 18% below the fully insured market.

Resilience in Tough Years

Even with maximum spend, Bexar 2’s renewal remained within 1% of fully insured rates — preserving budget predictability.

Trusted Partnership

Ongoing collaboration with 19:21 Consultants continues to strengthen each district’s benefits strategy and long-term financial health.

Conclusion

Through proactive management and data-driven guidance, 19:21 Consultants helped Bexar 7 and Bexar 2 demonstrate the full power of self-funding.

In strong years, the model rewards employers with tangible savings. In challenging years, it provides flexibility and stability. For both districts, the outcome is the same: greater control, transparency, and long-term confidence in their benefits strategy.