What to Expect

Smarter Coverage. Lower Costs.

Level-Funded Medical Plans

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.

See How It Works

A Modern Approach to Benefits

What Are Level-Funded Plans?

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.

Traditional Options

ACA Fully Insured Plans

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.

Higher Premiums with ACA Requirements

Full Compliance Included

No Health Questionnaires

Carrier Covers All Risk

Stop-Loss Not Needed

Limited to Carrier’s Network

Very Little Transparency

No Control

Few Custom Options

Available in All States

Flexible & Predictable

Level-Funded Plans

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.

Lower, More Competitive Rates

ACA-Compliant Coverage

Minimal or No Health Questionnaires

Claims Fund with Refund Potential

Stop-Loss Protection Built In

Choose from Wide Networks, or Referenced Based Pricing

Full Financial Transparency

Tailored Plan Design

Available in Most States

Traditional Options

ACA Fully
Insured Plans

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.

  • Higher Premiums with ACA Requirements
  • Full Compliance Included
  • No Health Questionnaires
  • Carrier Covers All Risk
  • Stop-Loss Not Needed
  • Limited to Carrier’s Network
  • Very Little Transparency
  • No Control
  • Few Custom Options
  • Available in All States

Flexible & Predictable

Level-Funded Plans

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.

  • Lower, More Competitive Rates
  • ACA-Compliant Coverage
  • Minimal or No Health Questionnaires
  • Claims Fund with Refund Potential
  • Stop-Loss Protection Built In
  • Choose from Wide Networks, or Referenced Based Pricing
  • Full Financial Transparency
  • Tailored Plan Design
  • Available in Most States

A Plan That Rewards Smart Choices

How the Claims Fund Benefits You

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.

  • Fund Purpose

  • Contributions

  • Stop-Loss Insurance

  • Year-End Reconciliation

Fund Purpose

A shared reserve pays for eligible healthcare claims, handled directly by the plan administrator.