Level Funded Plans

Structured advisory and implementation support for employers evaluating level funded health plan strategies.

Headquartered in Richmond, Virginia, we serve clients nationwide. 

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When Employers Need Balance Between Cost Control and Predictability

Many employers seek greater control over healthcare costs but are not prepared to fully assume the risk of a self-funded plan.

Fully insured plans offer predictability, but often limit transparency and long-term cost control.


Level funded plans provide a middle ground—combining fixed monthly costs with elements of self-funding that allow for improved visibility and potential cost efficiency.


As part of our broader Funding Strategy framework, we help employers evaluate whether a level funded approach aligns with their financial objectives, workforce profile, and risk tolerance.

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What Level Funded Plans Mean

Level funded plans are a hybrid funding model that blends features of fully insured and self-funded arrangements.


Employers pay a fixed monthly amount that includes estimated claims funding, administrative costs, and stop-loss insurance protection.


If claims are lower than expected, a portion of unused funds may be returned. If claims exceed expectations, stop-loss coverage limits financial exposure.


This structure offers more predictable costs than traditional self-funding, while providing greater transparency into claims data and the potential for improved long-term cost management.


Our role is to evaluate whether this balance between predictability and risk is appropriate for your organization.

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How Level Funding Connects to Long-Term Benefits Strategy

Level funded plans are often used as a strategic step within a broader benefits approach.


They allow employers to gain insight into claims experience while maintaining defined financial guardrails.


We integrate level funded plan evaluation into broader Group Medical Strategy planning, ensuring alignment with plan design, contribution strategy, pharmacy programs, and long-term cost management goals.


Level funding is most effective when implemented as part of a structured, long-term strategy—not as a short-term cost solution.

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Level Funded Advisory Services We Provide

Our advisory services focus on structured evaluation, implementation, and ongoing support.

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Financial Modeling and Cost Analysis

We evaluate expected costs, potential savings, and financial exposure under a level funded structure.
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Stop-Loss Structure Review

We assess stop-loss coverage, including attachment points and alignment with risk tolerance.
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Carrier and Vendor Evaluation

We compare level funded plan options across carriers to ensure transparency, competitiveness, and appropriate structure.
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Plan Design and Contribution Strategy

We align plan structure with workforce needs, participation, and cost-sharing objectives.
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Implementation and Transition Support

We guide plan setup, vendor coordination, and employee communication to support a smooth transition.
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Ongoing Performance Monitoring

We provide continued oversight to evaluate claims performance, renewal positioning, and cost trends.

Structured oversight supports predictable outcomes and informed decision-making.

Our Funding Advisory Process

Strong funding decisions follow defined structure.

  • Step 1: Assess

    We evaluate your current plan structure, claims experience, and financial objectives.

  • Step 2: Analyze

    We model expected costs, potential outcomes, and financial exposure under a level funded approach.

  • Step 3: Recommend

    We determine whether level funding aligns with your organization’s risk tolerance and long-term strategy.

  • Step 4: Implement and Monitor

    We support implementation and provide ongoing oversight to ensure continued alignment and performance.

Balance requires structure.

Is a Level Funded Plan the Right Fit?

If your organization is seeking greater cost transparency and potential savings—while maintaining predictable monthly costs—level funding may be a viable option.


We work with employers to evaluate level funded strategies with clarity, discipline, and long-term perspective—ensuring decisions are aligned with both financial objectives and employee needs.