Just so it's clear to everyone, companies much smaller than SAP or Microsoft self insure. In the United States virtually every employer with more than 500 emplo

Just so it's clear to everyone, companies much smaller than SAP or Microsoft self insure. In the United States virtually every employer with more than 500 employees is going to self insure. And while these companies do have access to detailed claim data in theory, in practice access to this data is typically heavily limited a small number of HR or finance employees who are responsible for healthcare accounting and financial management and the data presented is typically restricted to a large claim report within a monthly/quarterly reporting period.