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Why Employers Should Consider Self-Funding

Reason #2:  Immediate reward for favorable claims experience

Self-funding allows the employer to immediately benefit from low plan utilization. Claims are paid only when they have been received and processed, allowing cash to be retained by the employer for inclusion in operating cash flow. Compare this to fully insured plans. The insurance carrier does not give back rebates to the employer if the claims utilization is low.

In addition, investing in wellness programs, disease management and employee education to improve productivity all have a positive impact on the employers bottom line when self-funding.

If you would like to know more about self-funded plans and if they are a fit for your company please feel free to call or email me.


Mark Karlie

Vice President | Kingsburg