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Level-Funded Group Health Insurance: A Smarter Solution for Small to Mid-Sized Businesses

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When it comes to offering health insurance, many small and mid-sized businesses face the same challenge: affordable coverage. Traditional fully insured plans from big-name carriers like BlueCross BlueShield, UHC, Cigna, or Aetna are well-known and reliable—but they’re also expensive, making it hard for many employers to offer benefits at all.

That’s where Level-Funded Group Health Insurance comes in.

What Is Level-Funded Group Health Insurance?

Level-funded group health insurance is a self-funded health care financing solution designed to give employers more control, flexibility, and savings—without the unpredictability that can come with traditional self-funded plans.

Here’s how it works: employers pay a predictable, fixed monthly amount that covers administrative costs, stop-loss protection, and estimated claims. If the group’s claims end up being lower than expected, the employer may even receive a refund at the end of the plan year.

Why Agents Should Care

For agents, this coverage opens new opportunities. Many competitors limit their offerings to fully insured plans, which means level-funded plans can set you apart. You’ll be able to provide your customers with an option that helps them stay competitive in today’s hiring market by offering quality benefits at a lower cost.

Benefits for Business Owners

Here are a few reasons small to mid-sized business owners are turning to level-funded solutions:

  • Predictable Monthly Payment: Fixed payments make budgeting simple and reliable.
  • Managed Plan Administration: Claims, payments, and customer service are handled for you.
  • Stop-Loss Insurance Protection: Safeguards the business from unexpectedly high claims.
  • Potential Refund: If claims are lower than expected, businesses can receive part of the surplus back.

Partnering with LocalEdge

At LocalEdge, we make quoting easy! Our experienced Life & Health team will guide you through the process step-by-step, making it seamless. And we partner with leading carriers like Allstate, American Trust Administrators, Optimyl, and Trustmark to deliver flexible, high-quality level-funded group health plans.

The Bottom Line

Level-funded group health insurance gives small and mid-sized businesses the power of self-funding without the risk. It’s a cost-effective, stable solution that benefits both employers and employees—helping businesses attract and retain top talent while managing their budget more effectively.

Ready to Learn More?
Contact our Life & Health team at [email protected] or call 1-800-444-1744 ext. 6 to explore how level-funded group health plans can help your clients gain control of their healthcare costs.