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Employee Benefits Health Life Disability

Fully Insured vs. Self-Insured

For many years, large Fortune 500 companies have had the knowledge, ability, financial capital, and overall capacity to partially Self-Insure their health insurance plan.  In the past 15 years or so, due to market changes, companies with as few as 15 employees on a health plan may now take advantage of what the large corporations have done for decades.  There is great misunderstanding and misconceptions in small and medium sized companies regarding their abilities to "self insure."  Below is a chart that may help with the pros & cons.  However, the best way to educate yourself about the options is to contact us and simply have a conversation.

Click this link for a brief comparison chart.  Self Funded Page 4 Chart.pdf

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