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SELF-FUNDING 101 : AN INTRODUCTION

What you need to know about self-funding

A clear, practical resource to help employers evaluate their health plan options with confidence.

If you’re an employer, you know how unpredictable health insurance can feel. Renewal season often brings tough choices: pay higher premiums, cut benefits, or shift more costs to employees. It’s frustrating, and it raises important questions about whether there’s a better way.

This guide was created to help you explore self-funding as an alternative plan design. It’s not a fit for every organization, and it’s not a quick fix. But understanding how it works can help you decide whether it should be part of your long-term benefits strategy.

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Inside the guide, you’ll find:

  • Why the traditional insurance model often falls short for growing companies

  • A straightforward explanation of how self-funding works, without the jargon

  • The potential advantages and the real risks to consider

  • A step-by-step look at what a transition actually involves

Whether you’re ready now, planning for the future, or simply want to understand the landscape, this resource will help you ask better questions and make decisions with clarity.