A quick but simple overview of how level funded health insurance plans can work for small employers. Savvy employers have discovered level funding as a way to overcome the challenges of affordable care act health insurance plans. Ask us today if it might be a good fit for your group.

1. What is level funded health insurance?
Will it work for your group?
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2. With Traditional Health
insurance, premiums
continue to skyrocket
annually!

3. With Traditional Health insurance, premiums
continue to skyrocket annually!
Source: Kaiser Family Foundation

4. Problem is, the employer
has little to no control
over “what goes into” the
benefits, and thus the
costs.
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5. Increased mandates
and regulations just
keep adding to the
premiums.
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6. Nowadays, even younger and
healthier groups suffer higher
costs because healthier
lifestyles do not reflect in the
health insurance rates
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7. Worse the employer has no
choice but to either pass along
the increases or reduce the
benefits to offset the increased
premiums or both. This Photo by Unknown Author is licensed under CC BY-SA

8. Can level funded self
insurance be the answer?
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9. Is your group…
Relatively healthy?
Younger workforce?
More health conscious?

10. Then level funding may be for you!

11. How it works:
The simple version

12. Your group pays a monthly
fixed cost, just like your
current premiums
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13. The costs are divided into three buckets
• The administrative
fee bucket to run
the plan functions
• The stop loss
insurance premium
to insure against
catastrophic claim
numbers
• The claim funding
bucket

14. The administrative
fee bucket runs
the plan.
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15. The stop loss
insurance bucket
pays premium to
insure against
catastrophic
claims

16. The claim
funding bucket
Pays the medical
claims
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17. Behind the scenes the
administrator has already arranged
for the network contracts, the stop
loss insurance and the technology
platform. it’s all ready to go!
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This Photo by Unknown Author is licensed under CC BY-SA

18. Your employees use
the plan like they do
now! So what’s the
difference?

19. If your members are relatively
healthy you have a surplus in
the claim funding bucket at
the end of the year. That’s
your money!
Imagine incentive programs that actually drive down
premiums and keep your workforce healthier!

20. When was the last time you
got money back at your
health plan renewal? Ask us
today if a level funded self
insurance plan could be a fit
for your group!
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21. Your Total Benefit Solutions Team
Is experienced and ready to help you with your health insurance!