Decision FrameworkPlan Funding & RiskPDF8 pages
Self-Funded vs. Fully-Insured Decision Framework
Side-by-side comparison across eight decision dimensions: premium vs. claims cost structure, stop-loss protection, cash flow timing, plan design flexibility, compliance obligations, data access, vendor relationships, and administrative burden. Includes a weighted scoring worksheet employers can use to evaluate their own situation.
Intended for
Employers Evaluating Self-Funding · CFOs and Business Owners · HR and Benefits Leaders
Reviewed and updated for plan year 2026 ·
Self-FundingPlan DesignDecision Making
Self-Funded vs. Fully-Insured Decision Framework
PDF · 8 pages
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Source & Methodology
Framework developed from analysis of 200+ employer transitions. Decision dimensions weighted by frequency of impact in employer decision-making.
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