ExpertQuote — Your Benefits Team
Self-funding is a financing strategy—not a shortcut
Why employers are looking at alternative funding
Who owns the claims risk
Fully insured plans: predictable cost, less control
Self-funded plans: no reward without risk
Why employers consider self-funding and what employees see
Specific and aggregate protection
Lasers, runout, and a critical stop-loss warning
Level-funded plans: a middle ground
Captive health insurance: shared-risk arrangements
Self-funded plans are not unregulated
Current compliance watchlist and state-law preemption
Is self-funding a fit
The administrative partner can make or break the strategy
The advisor's role and what employers need to know
Four ways to finance health benefits side by side
The California premium-tax exemption
Savings are not guaranteed. They are earned