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How Does Level Funding Compare with Fixed Funded Products?

The large insurance companies including Blue plans (generally referred to as BUCA’s) are offering a version of self-funding we characterize as ”Fixed Funded”. We call them ”Fixed” since there is no options for the self-funded employer to modify the financing arrangement.  In real self-funding, the decision to ”Level Fund” is a choice made by employers […]

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Better Stop Loss

Four Employer Goals We believe the current marketplace and traditional spreadsheeting does not serve employers well.  Insurers continue to set all the rules, decide who to insure and at what price, and avoid risk when employers most need insurance protection.  There is a severe imbalance in power between buyer and seller in today’s stop loss […]

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