for healthier employees and healthier businesses

About Level Funding


Level-funded plans are, essentially, pre-packaged self-insured health plans made to look like fully-insured plans. They include all the administrative functions and stop-loss coverage to give you the potential to keep money earmarked for claims that was not needed during the plan year. These plans are available in most states to groups as small as 10 covered employees.
For the right groups, level-funded plans can save you 30 percent when compared to the premiums necessary to purchase a fully insured ACA small-group plan. Another benefit is the cash-flow protections. Because of their structure, level-funded plans do not have the cash-flow volatility that can be associated with traditional self-insured plans.

With level-funded plans, employers will only pay for eligible claims and the cost of administering them. Additionally, we can conveniently combined claims payment services with Flexible Savings Accounts (FSA), Health Savings Accounts (HSA) and Health Reimbursement Accounts (HRA). This means, in addition to lowering overall healthcare costs, level-funding helps companies remain competitive and gain an edge in attracting and retaining talent.


Additionally, level-funded plans are not subject to state-mandated benefits, the jurisdiction of the states and, for the most part, litigation in state courts or the appeal and complaint procedures of the insurance departments of each of the states.