Plan structures

The honest answer to whether self-funded health plans are good or bad for employees — including the real differences in coverage, network access, and the risks employees should understand.

A no-jargon, step-by-step explanation of how self-funded health insurance actually works — what you pay, who does what, and whether it's worth considering for your business.

Level-funded plans combine the predictable monthly payments of fully-insured coverage with the data access and surplus-sharing of self-funding. Here's how they work and when they make sense.

A plain-English comparison of self-funded and fully-insured health plans — how each one works, what they cost, who benefits, and how to choose the right structure for your company.

Fully-insured, level-funded, and self-funded plans are the three structures every employer should know. Here's how each works, who they fit, and why most brokers only present one.

Most business leaders make their biggest benefits decisions with almost no data. Here's what claims data reveals, what fully funded plans hide, and how transparency changes everything.

Fully funded plans aren't your only option. Here's a plain-language guide to level-funded, partially self-funded, PEO, and ICHRA plans and who each one works best for.

Transitioning to a new plan structure sounds daunting, but it follows a clear, proven timeline. Here's every phase of the process, from evaluation to ongoing management, so you know exactly what to expect.

Before you switch from a fully funded plan, you need to model the numbers. Here's a practical framework for comparing costs, assessing risk, and building a multi-year projection you can trust.