Fully Insured, Level-Funded or Self-Funded? A Plain-English Guide for Growing Employers

As companies grow, alternatives to traditional fully insured plans become more common. This article explains how each funding approach works, where the financial risk sits, what stop-loss coverage does, and the kinds of employers each approach tends to suit. It's balanced: we cover the potential upsides and the real risks, so you can have a better conversation with your advisor and finance team.

This article is for general information only and isn't legal, tax or insurance advice for your specific situation. Rules change; please confirm details with your advisor or counsel.