Most employers are very familiar with the Insured health benefit plan model, as sold by Blue Cross, AETNA, CIGNA and United. It’s easy to think that many businesses employ an Insured health benefit plan. But according to the Employee Benefit Research Institute (EBRI), the percentage of health-plan-covered workers enrolled in Self-Funded health benefit plans increased from 58.2% to 60% from 2013 to 2015. And, what’s more, the largest increases in Self-Funding health benefits has occurred among employers with between 25 and 999 employees.
Insured health benefit plans are designed for employers that want to pay a premium and relinquish control of their health plan. For employers that want to maintain that control and also design a customized health benefit plan that suits the needs of their employees and business, Self-funding is the solution.
23 окт 2024
