LEVEL-FUNDED HEALTH PLANS FOR EMPLOYERS WITH 10+ W-2 EMPLOYEES
Employer-sponsored level-funded major medical plans with predictable monthly costs and 100% return of unspent claim dollars back to the employer—even if they later move to another plan.
Looks and feels like fully insured (monthly billable rates by tier), but with self-insured upside.
Monthly claims reports to better manage cost and make future plan design decisions.
Only upside...get 100% of unspent claim dollars back...but never be asked to pay in more money.
How We Roll
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Minimum 10 W2 Eligible Employees
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Multiple PPO networks and Value Based Pricing options...even offer multiple networks in the same group
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Easy & Quick RFP process
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9 Major Medical Plan Designs to replace the "BUCAs"
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MEC also available
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Management Carve-out available
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Monthly claims reports for all size groups
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100% return of unspent claim dollars at year-end...even if client leaves
What is a level-funded health plan?
Level-funded plans (sometimes called “Max Funded Plans”) are self-insured plans but they look and feel like traditional fullyinsured plans in that you pay monthly billable rates that operate the same as fully-insured plans…Single, Employee + Spouse, Employee + Children, Family. The monthly billable rates are all you need to pay into the plan.
15
years,
For the last
level-funded plans have been the fastest-growing type of health insurance for employers with 10 to 200 employees!​
53%
of employers
Over
under 200 employees are self-insured. From 2021 to 2023, 2.9 million employees moved from fully insured plans to self-insured plans.
4-14
million
By 2o30,
more employees are expected to move to self insured plans.
WHY EMPLOYERS WITH 10+ EMPLOYEES CHOOSE THIS OPTION
Predictable Costs
Fixed monthly rates by tier make budgeting simple while still providing self-insured savings potential.
100% Surplus Return
At year-end, any unused claim funding allocated for claims is returned to the employer—even if they move to another plan.
Robust Plan Menu
"BUCA style" Major Medical plans plus MV Plans, and MEC all available on the same menu