Self-Funded Plans

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

Headquartered in Richmond, Virginia, we serve clients nationwide. 

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When Cost Control Requires Greater Transparency

Traditional fully insured plans often limit visibility into what is driving healthcare costs. Employers receive renewal increases without clear insight into claims, utilization, or underlying cost drivers.


As healthcare costs continue to rise, many organizations begin evaluating alternatives that provide greater control and transparency.


Self-funded plans offer that visibility—but require structured evaluation, financial discipline, and ongoing oversight.


As part of our broader Funding Strategy framework, we help employers determine whether a self-funded model aligns with their financial objectives, workforce profile, and risk tolerance.

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What Self-Funded Plans Mean

Under a self-funded model, employers assume financial responsibility for employee healthcare claims rather than paying fixed premiums to a carrier.


Most arrangements include stop-loss insurance to limit exposure to large or unexpected claims, creating a balance between risk and protection.


This structure allows for greater transparency, increased flexibility in plan design, and the potential for improved long-term cost efficiency. At the same time, it introduces additional considerations around financial risk, compliance requirements, and governance.


Our role is not to promote self-funding—it is to evaluate whether it is appropriate based on your organization’s size, claims experience, and long-term strategy.

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How Self-Funding Connects to Long-Term Benefits Strategy

Self-funded plans influence more than cost—they shape how the entire benefits program is structured and managed over time.


Funding decisions impact vendor relationships, renewal strategy, compliance obligations, and how employees engage with their benefits.


We integrate self-funded plan evaluation into broader Group Medical Strategy planning, ensuring alignment with plan design, pharmacy strategy, population health initiatives, and long-term cost management objectives.


Self-funding is most effective when supported by disciplined oversight and ongoing evaluation.

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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 Level Funded 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.