Should we stay fully insured or consider level-funded or self-funded options?

Fully Insured

Fully insured plans offer predictability. You pay a fixed premium each month, and the insurance carrier assumes the financial risk if claims are higher than expected. For many employers, that stability is exactly what they're looking for.

Level-Funded

Level-funded plans can provide many of the advantages of self-funding while maintaining predictable monthly payments. Depending on your group's claims experience, they may also create opportunities for savings or surplus refunds that aren't available in a fully insured plan.

Self-Funded

Self-funded plans give employers the greatest flexibility and visibility into their health plan, but they also assume more financial responsibility. They're often a good fit for larger organizations that want greater control over plan design, claims data, and long-term cost management.

The real question isn't "Which funding strategy is best?" It's "Which level of financial risk, flexibility, and opportunity is appropriate for our organization?"

That's where modeling becomes so valuable. We can compare different funding strategies side by side, estimate their financial impact under various claims scenarios, and help you understand the tradeoffs before making a decision.

Changing your funding strategy shouldn't be about chasing the latest trend or responding to a sales pitch. It should be a deliberate business decision based on your organization's goals, financial tolerance, and long-term strategy.