Employer health benefits
Explore fully insured, level-funded and self-funded health plans. Understand the benefits, funding arrangements and trade-offs before choosing a direction for your business.
Specific products and availability are subject to confirmation.
Each arrangement changes how you pay, who carries claims risk and how much flexibility you have over plan design. None of them is automatically the right answer for a given headcount.
Greater certainty. Covered claims backed by an insurer.
The employer pays premiums and the insurance company takes responsibility for covered medical claims under the policy.
Important consideration: Premiums may change at renewal, and total payments can change with enrollment. The policy determines covered services and exclusions.
Predictable monthly funding. Potential to benefit from lower claims.
A structured form of self-funding that combines expected claims funding, administration fees and stop-loss premiums into regular monthly payments.
Important consideration: Surplus refunds, funding obligations, renewal terms and stop-loss protection depend on the contracts. Savings are not guaranteed.
Greater control over your health plan and healthcare spending.
The employer funds covered medical claims, with an administrator handling plan operations and stop-loss insurance covering specified high-cost exposure.
Important consideration: Claims costs can fluctuate. The employer retains funding and plan responsibilities, and stop-loss protection is subject to its terms.
Specific products and availability are subject to confirmation.
Limited-Day Health Plan Options
Limited-day plans place specified limits on certain medical benefits, such as the number of covered hospital days or visits. These designs may cost less than broader coverage because they cover less care. Understanding what is covered—and what happens when a limit is reached—is essential.
These designs sit within the level-funded and self-funded range. They are a benefit-design choice, not a fourth way of funding a plan, and they are different from short-term insurance and hospital cash products.
Read this first
Limited-day coverage is not the same as comprehensive major medical coverage. Services beyond the stated limits may not be covered. Minimum essential coverage and minimum-value status must be confirmed for the specific plan.
Funding determines how the plan is paid for. Benefits determine what medical care is covered. Both need to be evaluated.
A funding model is not a measure of medical coverage. An option that costs less may cover less care, and employee count alone does not determine which arrangement suits a business.
Hourly, distributed and high-turnover teams create benefit questions that standard quotes rarely answer. We start with the questions that decide the outcome.
This website is an overview to help you compare options. It does not bind coverage, collect premiums or enroll employees.
Specific products and availability are subject to confirmation.