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Self-Funded vs. Fully Funded Health Benefits Plans

January 08th, 2025

Continually rising healthcare costs present significant budgetary challenges for many companies as they strive to maintain high-quality coverage for their employees.

According to Mercer, employers estimate that their health benefit costs per employee will rise 7% on average (assuming they don’t take any action to control costs). Given these persistent increases, does your company have a plan to take control of its overall healthcare costs?

An increasing number of companies have shifted to self-funded health insurance plans to help them control costs. However, traditional self-funded plans can be challenging for small- and medium-sized businesses (SMBs) to manage independently.

The Medical Stop Loss group captives supported by Captive Resources allow SMBs to leverage the benefits of self-funding in a stable, supportive environment alongside like-minded companies.

To help you better understand how different healthcare funding models operate, we've put together an infographic comparing fully funded and self-funded plans.

Fill out the form below to explore the infographic.

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