What is Self-Funding

There is considerable discussion in the benefits arena about Self-Funding. What is Self-Funding and can it work for smaller employers?  The answer is “YES” it can work for employers with as few as 10 employees, just not every small employer. What is Self-Funding? ...

The Origin of Self Funded Health Care

And in the Beginning, There was Self Funded Health Care … and it was good! Actually, self funded health care plans followed fully funded employer medical plans in an effort to attract, retain and stabilize the work force.  In the USA, self funded health...

Healthcare Options

For small employers, such as those with 15-100 employees, there are fewer fully insured healthcare options available because of the Affordable Care Act.  Many carriers have eliminated much of their plan offerings in favor of the “metal” plans.  These plans, Gold,...

Frequently Asked Questions – Brokers

  1. I am used to being compensated for my group business on a flat percentage or on a step level commission structure. How am I compensated for my USABC business?   USABC will arrange commissions on a flat percentage amount based on the Stop-Loss premium....

Frequently Asked Questions – Employers

1. What is self-funding? Self-Funding is a method of financing Employee Benefit Plans using proven risk management techniques and specialized insurance and administration products; A long-term strategy for cost control; Not for groups with above average claims...