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Employer Benefits IQ
Employer GuidePlan Funding & RiskPDF15 pages

Self-Funding 101 — Employer's Guide to Self-Funding

Most employers assume self-funding is only for large companies. This guide explains the mechanics clearly: how claims flow, what the employer is actually on the hook for, how specific and aggregate stop-loss limits exposure, and what questions to ask before making a change. Includes a readiness checklist and a comparison of TPA models.

Intended for

Employers Evaluating Self-Funding · CFOs and Business Owners · HR and Benefits Leaders

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Reviewed and updated for plan year 2026 ·

Self-FundingStop-LossTPAPlan Design
Preview of Self-Funding 101 — Employer's Guide to Self-Funding

Self-Funding 101 — Employer's Guide to Self-Funding

PDF · 15 pages

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Source & Methodology

Based on Health Rosetta framework principles and SIIA self-funding best practices. Updated for 2026 stop-loss market conditions.