Indiana Level-Funded Health Insurance

Level funding gives Indiana employers a fixed monthly cost like a fully insured plan, but with the upside of self-funding: if your group has a healthy year, you get money back. Stop-loss insurance caps the downside, which is why level funding has become the default recommendation for healthy small and mid-size Indiana groups.

How Level Funding Works

Your fixed monthly payment is split into three buckets: a claims fund, administration, and stop-loss premium. Claims are paid from the fund. If claims come in under the funded amount at year end, the carrier returns a share of the surplus to you. If claims run high, stop-loss insurance covers the excess - so your cost never exceeds the fixed monthly amount you budgeted.

Pros and Cons for Indiana Employers

Which Indiana Carriers Offer Level Funding

Is Level Funding Right for Your Indiana Group

Level funding tends to win for healthy groups of roughly 5 to 100 that want lower cost and real claims data. If your group has significant known health conditions, a community-rated fully insured plan may price better - and we will tell you honestly which way the math points.