Return to the top of the page.

Savvy Employers Save Money Through Self-Funding

Employer Sponsored Health Plans should be self-funded if:


The plan renewed with minimal or no rate increase


The plan qualified for a rebate check from the insurer under the Medical loss ratio (MLR)

Otherwise, insurance companies are just keeping the money that should be retained by the plan!

When health plans partner with Professional Benefit Administrators, they:

Can design a plan that works for both the plan and its members

Know their monthly plan costs through PBA’s proactive plan cost management versus crossing their fingers and hoping for a good renewal

Why Should My Organization Consider Self-Funding?

Rather than paying an insurance carrier non-refundable premiums, a self-funded plan allows employers to manage the claims as costs and expenses. Self-funding offers employers:

The freedom to customize health plans
Elimination of most premium taxes
Potential for savings
Access to data to make informed decisions
Lower operation costs
Keep carrier profits, margins, and reserves
A healthier bottom line

Once a self-funded plan is in place, most organizations will notice little difference in the way it operates because PBA does all the administrative work while delivering personalized customer support and intuitive tools.

Our clients benefit from a level of freedom and flexibility simply not available with traditional fully-insured plans.