Smarter Coverage. Lower Costs.
Rising healthcare costs don’t have to hold your business back. Level-funded medical plans give you predictable monthly payments and stronger coverage—often at a lower cost than traditional health insurance. By blending flexibility with built-in protection, you gain control of your healthcare budget while giving employees the quality care they deserve.
Level-funded plans are designed for employers who want the stability of a set monthly payment with the chance to share in the savings. Your monthly contribution covers anticipated claims, administrative support, and stop-loss protection to shield your business from unexpected high costs. And if claims come in lower than expected? You could receive a refund at the end of the year. It’s a win-win: better budgeting for you, better benefits for your team.
ACA fully-insured plans opened access to coverage for millions, but they also brought higher premiums and less flexibility. For many businesses, that means paying more without getting the customization they need.
Level-funded plans give employers more control with a fixed monthly cost, built-in protection, and the possibility of a refund. Medical underwriting often opens the door to even lower premiums and richer benefits.
At the heart of a level-funded plan is the claims fund—a reserve set aside to pay for healthcare costs throughout the year. You contribute a fixed amount each month, employees pay their premiums, and claims are drawn directly from the fund. When your group’s healthcare spending is lower than expected, those unused dollars may come back to you. Stop-loss protection is always included, so you can offer better benefits without taking on extra risk.
A shared reserve pays for eligible healthcare claims, handled directly by the plan administrator.
Employers make predictable monthly payments, while employees contribute through fixed premiums.
Built-in protection ensures no single large claim—or total claims above expectations—threatens your budget.
If the fund has dollars left over, you could receive a refund. If claims run higher, stop-loss coverage fills the gap.
