As health care costs continue to rise in the U.S., more and more small and mid-sized employers are pursuing a self-funded strategy for their group benefits plan.
Self-funding was often out of reach for groups of this size, but market changes and new products introduced over the last few years have made it a legitimate option. For example, it's now possible to avoid lasering employees, and there are specific employee deductibles as low as $25,000.
Often, when brokers explain these and other benefits of self-funding to groups, the response is almost disbelief: Why doesn't everyone self-fund their benefits plan?
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