Now that health care costs keep going up, people are looking for alternative ways to finance health care—including self-funding. Photo credit: 89studio

Employers these days are looking at ways to control health care costs. They hear that health care is an important benefit to their employees, but face the task of figuring out how to offer the benefit without exposing themselves to claims that could destroy their bottom lines or even their companies.

So it would seem counterintuitive for employers—especially small to mid-size organizations—to assume more risk in today’s marketplace. But that’s exactly what’s happening thanks to self-funding, or self-insurance.

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