Self-Funding and Level Funding
For employers looking to take greater control of their healthcare costs, self-funding and level funding offer strategic alternatives to traditional group health insurance. At Zylinsky Insurance, we help businesses understand and implement these flexible funding models to better manage risk and save on premiums — without sacrificing coverage for employees.
Self-funding allows employers to pay for employee health claims directly, rather than purchasing a fully insured plan from a carrier. It’s ideal for companies that want greater transparency into claims data and the ability to customize their benefits offerings. While this option can offer significant cost savings, it also comes with greater financial responsibility.
Level funding provides a hybrid solution that combines the predictability of fixed monthly payments with the cost advantages of self-funding. Employers pay a set monthly amount, which covers claims funding, administrative costs, and stop-loss insurance to protect against large claims. If claims are lower than expected, employers may receive a refund at the end of the year.
At Zylinsky Insurance, we guide you through every step of evaluating, structuring, and managing a self-funded or level-funded plan. We work with top-rated providers and third-party administrators to ensure compliance, stability, and simplicity.
Discover how these innovative funding options can work for your business. Contact us today to learn more.
