Level-funding has recently attracted far more attention among larger small employers (those nearing 50 full time employees) or smaller large employers. Level-funding is simply self-funding done small, usually by an office or offshoot of a fully- funded insurance carrier.  Level- funding providers offer their services to companies down to 10 full time employees. 

These plans obviously can not operate under the same kind of risk of a larger company. The stop loss coverage comes into play at a much lower threshold, protecting the company from unforeseen huge claims. Third Party Administrative (TPA) fees  goes toward paying for the administration of the program, including adjudicating claims.  Level funded plans are typically underwritten.

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