Most small employers on fully-insured group health are overpaying 20–30% and don't even know it. Level-funded plans deliver the same coverage at a lower cost — with full claims visibility and potential year-end refunds.
When you buy a fully-insured plan from a carrier like Aetna, CIGNA, or BlueCross, you're paying a fixed premium that bundles actual claims, carrier profit margin, admin fees, and reserves — all hidden inside one number. If your employees are healthy, the carrier keeps the surplus. You get nothing back.
We review your current group health plan, premium history, and employee census. Most employers are surprised by how much they’re overpaying versus what a level-funded alternative would cost.
We design a level-funded plan around your specific workforce — employee count, age range, location, and benefit priorities. Stop-loss coverage is layered in to cap catastrophic risk.
We handle the carrier selection, enrollment, and ongoing administration. Your employees see no disruption — same or better coverage, lower cost to the business.
If you currently offer fully-insured group health and have a relatively stable, moderately healthy workforce — there is almost certainly a level-funded alternative that saves you money. The sweet spot is 10–100 employees, but plans are available for groups as small as 5.
Small group level-funded carriers. High-deductible compatible. Often paired with HRA or HSA.
Mid-market sweet spot. Full claims data, highest refund potential, most carrier competition.
Large group level-funded or partially self-funded with stop-loss. Maximum plan customization.