Employer Healthcare Strategies


Self-Funding 101: A Unique Solution for Employers of Every Size

Posted by Madeline Lippe on September 15, 2020

With the persistent rise in health care costs, U.S. employers of all sizes are focused on controlling costs while also making health care more affordable for employees.

Respondents to the 24th Annual Towers Watson Survey expect total health care costs (employer and employee) to rise 4.9% in 2020 after plan design changes, up nearly a full point from 4.0% in 2019. According to findings from the Towers Watson Financial Benchmarks Survey, the average cost of health care is $13,087 per employee per year (PEPY) in 2019 and is expected to rise to $13,728 in 2020. By point of comparison, the U.S. inflation rate is expected to average 1.8% in 2019 and to increase to 2.0% in 2020. Without plan changes, cost trend would be 5.0% in both 2019 and 2020.

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Post Topics Self-Insurance

5 Signs You Should Consider Self-Funding

Posted by Tatiana Spears on May 5, 2020

Do you wish you could design your own health plan? Do you want to improve employee health while reducing the cost of care? Then self-funding may be for you.

What exactly is self-funding? Instead of paying a premium to a commercial insurer, employers in a self-funded or “self-insured” health plan accept responsibility for the risk of health care for enrollees. You might be thinking, “How on earth is this a good idea?!” Don’t press the panic button just yet.

Self-funded plans are actually more cost-effective in the long run because expenses associated with a fully insured plan are eliminated and yes, there are smart ways to mitigate risk. In this setup, employers have more control over their health benefit program and have a direct impact in reducing the cost of care by improving employee health. Here are five signs that self-funded health plan might be right for you.

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Post Topics Self-Insurance

Self-Funding for Small to Mid-Sized Businesses - Part 3

Posted by Tatiana Spears on March 28, 2017

Advantages & Disadvatages of Self-Funding 

Determining whether or not self-funded insurance is the right choice for your small business can be difficult to do. We’ve taken some of the guesswork out by compiling some of the advantages and disadvantages of self-funding. Here's what you need to know. 

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Self-Funding for Small to Mid-Sized Businesses - Part 2

Posted by Tatiana Spears on March 23, 2017

3 Misconceptions About Self-Funded Insurance

When thinking of opting for an insurance plan for their employees, some small businesses automatically assume that a self-funded plan is only a good option for large employers. Not true. In fact, did you know that it is estimated that 61 percent of companies within the U.S. self-fund at least a portion of their health plan? Read on to find out about three of the common misconceptions about self-funded insurance and the truth about each of them.

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Self-Funding for Small to Mid-Sized Businesses - Part 1

Posted by Tatiana Spears on March 7, 2017


As healthcare policy costs increase, small businesses struggle to keep up with the financial demands of providing individual healthcare plans for their employees. Limited insurance can make retaining top performing employees more difficult for the company. Can you relate to these challenges? Keep reading—there is an alternative option. Self-funded insurance provides healthcare by way of a different method. It gives employers the power.

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Post Topics Self-Insurance