Plan structures
Fully insured, level-funded and self-funded plans: how each works and when each fits your company.
9 guides
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Is Self-Funded Health Insurance Good for Employees? What Employers (and Their Teams) Should Know
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.
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Level-Funded Health Plans Explained: The Middle Ground Most Brokers Don't Mention
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.
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Self-Funded Health Insurance for Dummies: A Plain-English Guide for Business Owners
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.
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Self-Funded vs. Fully-Insured Health Plans: Which Is Right for Your Business?
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.
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The 3 Types of Employer Health Plans (And Why Most Small Businesses Only Hear About One)
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.
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Claims Data: What You Should Be Seeing (And Aren't)
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.
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What Are the Alternatives to Fully Funded Plans?
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.
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Making the Switch: What the Process Looks Like
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.
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How to Model the ROI of Switching Plan Structures
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.
