For some agencies, how the plan is funded matters as much as who carries it.
Level-funded and self-funded arrangements can fit an agency with favorable claims and the cash flow to absorb a variable year. For others they add risk that is not worth taking.
Compared on your census, not in the abstract.
What Is Actually True
A fully insured plan has a fixed premium. Level-funded and self-funded plans tie cost to claims, with stop-loss protection and a fixed monthly payment in the level-funded case.
These structures can reduce cost when claims run well and increase variability when they do not.
What We Do About It
We model fully insured, level-funded, self-funded with stop-loss and captive structures side by side on your census and show the downside as plainly as the upside.
We tell you honestly when the fully insured renewal is the better answer.
From a default structure to a chosen one.
What We Need
The census, claims reports if available and your tolerance for a variable year.
What We Do
We model the structures and stress-test each.
What You Get
A comparison with a recommendation and the risks named.
Questions on this topic.
Short answers for agency owners.
Who is level-funding for?
Groups with favorable claims and the ability to absorb some variability. It is not right for everyone.
What is stop-loss?
Insurance that caps the plan’s exposure to large claims, so the agency’s cost has a ceiling.
Do we have to switch structure?
No. Many agencies stay fully insured. We show the comparison so the choice is informed.
General information, not legal or tax advice. Confirm the rules that apply to your agency with your attorney or tax advisor.
Send us your renewal.
We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.
The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
Four documents, two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.
An independent employee benefits consulting firm. We look at the entire benefits program — cost, plan performance, risk and administration.
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