Predictable payments with a shot at a refund
A level-funded plan lets a small business pay a fixed monthly amount — like a fully-insured premium — while functioning like a self-funded plan underneath. If your team’s claims come in low, you can get a refund at year’s end.
Your fixed monthly payment covers three things: a claims fund, administration, and stop-loss insurance that caps your exposure if claims spike. If the group uses less than expected, a portion of the unused claims fund can come back to you. If claims run high, stop-loss protects the business — your monthly cost stays level for the year.
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Small businesses with a relatively healthy team that want predictable costs and the chance to share in savings. Underwriting looks at the group’s health, so results vary — we’ll compare level-funded against fully-insured quotes for you.