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Is level-funding right for your clients?

Level funding merges the financial stability of fully insured plans with the potential savings of self-funding.

By Dave Cardwell | December 05, 2024 at 09:16 AM

Presenting level-funded health plans can increase your value as a trusted advisor and strengthen client relationships. This innovative approach is particularly attractive to small and mid-sized employers who want to enhance their health benefits without straining their budgets. Level funding merges the financial stability of fully insured plans with the potential savings of self-funding.

Level funding is rapidly becoming more common in the small-to-mid-size market. In fact, 38% of small and mid-size firms offer a level-funded plan, compared to only 7% just three years ago, according to a Kaiser Family Foundation survey. Employers are more willing to try these plans now that they understand the reinsurance protection that comes with level funding.

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