The Right Platform for a Better Health Plan

The right self-funded structure creates the platform to integrate best-in-class solutions that improve cost and the member experience.

A platform - not a product

Self-funding is not a single solution. It is a platform.

When structured properly, it allows employers to integrate best-in-class components across payment, plan design, and member support. Fully insured and most self-funded approaches are too restrictive to support this.

A highly flexible self-funded platform does create the ability to meaningfully improve both cost and the employee experience.

Self-funding is not a single solution. It is a platform.

When structured properly, it allows employers to integrate best-in-class components across payment, plan design, and member support. Most fully insured - and many traditional self-funded - approaches are too restrictive to support this.

This is what creates the ability to meaningfully improve both cost and the employee experience.

Built to integrate better solutions

The value of self-funding is not the funding mechanism alone.

It is the ability to combine the right components -designed to work together - to create a more effective health plan.

What this allows

Built to integrate better solutions

Payment, plan design, and member support working together

Transparency into cost

Transparency
into cost

Clear visibility into where dollars are going

Choice of risk level

Align financial risk with employer comfort

Flexible structures

Maximum ability to intgrate best in class components

A flexible spectrum

Self-funding is not one structure. It is a range of options.

The right approach depends on employer size, risk tolerance, and objectives - and can evolve over time.

How we approach it

We structure self-funding as a platform—designed to support better solutions.

From there, we integrate strategies that improve cost, strengthen the member experience, and create a more effective health plan overall.

The goal is not simply to be self-funded. The goal is to build a better plan.

Build on the right platform

We help employers evaluate whether an HRA strategy can reduce cost while preserving the benefit experience employees need.

Most employers have more control than they realize. The first step is understanding what can change.