Funding Options That
Grow With You
Fully insured isn’t the only path to better coverage and lower costs. We help growing companies weigh the alternatives, and manage the ones that make sense.
The way you fund your plan is a real lever
As companies grow past a simple fully-insured plan, funding strategy becomes a real lever for controlling costs and improving flexibility. Self-funding, level-funding, and captive arrangements each shift risk and reward differently, and the right fit depends on your claims history, risk tolerance, and cash flow, not just your size.
We walk clients through the tradeoffs in plain terms and manage the strategy once it’s in place.
Three paths, three different risk profiles
Self-Funding
Self-funded plans put the employer in control of claims costs directly, rather than paying a fixed premium to an insurer. It’s the most involved of these strategies to set up and manage well: it means taking on real risk, and getting it right depends on the right stop-loss coverage and close, ongoing claims oversight. Done well, it can mean real savings for companies with healthy claims experience. We help clients evaluate whether self-funding is the right move, structure the stop-loss protection, and monitor performance year over year.
Level-Funding
Level-funding offers a middle path: predictable monthly payments like a fully-insured plan, with the potential for a refund if claims come in under projections. It’s often the right entry point for companies curious about self-funding but not ready to take on the full risk and administrative load that comes with it. We help clients model out what level-funding could mean for their specific group before making the switch.
Captive Arrangements
Captive insurance is another way to manage risk: pooling with other employers to smooth out the volatility that comes with funding claims directly. It suits companies that want more control than a fully-insured plan offers, without taking on the full weight of self-funding alone. We advise on captive fit, help with entry, and manage the relationship going forward.
Not sure which path
fits your company?
That’s exactly the conversation worth having before renewal, not after.