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Plans & Products

Advantages of a Self-Insured Plan:

  • Customization
    Employers can customize the plan to meet the specific needs of its employee group. Fully insured plans are "packaged benefits" that don't allow for variation employer to employer. Some employers want more control over what is offered.

  • Control over claims reserves
    The employer maintains control over the claims reserves. You don't pay until a claim is presented for payment.

  • Exemption from state insurance laws and premium taxes
    In most cases, self-insured benefit plans do not have to comply with state insurance mandates and premium taxes.

  • When the plan has favorable claims experience, the profits remain with the self-insured plan
    The opposite is also true. The employer assumes the risk for the plan.

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