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A middle path between fully insured and self-funded.
You pay a set amount each month that covers expected claims, admin, and stop-loss protection. If your team's claims run below projection, you get money back at year end. If they run high, stop-loss coverage caps your exposure. Healthy, younger workforces often overpay in a fully insured pool. Level funding lets that health show up as savings.
It depends on your workforce, and that's the point.
Level funding rewards groups whose real risk is lower than the pool assumes. The only way to know is to price it on your own data. Ignition reads your workforce the way a carrier does and shows you the answer before you commit.
Step 1 · Share the basics. A short form and your census.
Step 2 · See your workforce risk. Whether your group is a fit for level funding, and by how much.
Step 3 · Review and choose. Level funded and fully insured options side by side. You decide.
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AWM Capital — $156,914 saved in 30 minutes.
Light Labs — A finished renewal turned into $113,115 in savings.
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FAQs
What is a level-funded plan?
You pay a fixed monthly amount covering expected claims, admin and stop-loss insurance. If claims come in under the projection, you get some of the difference back.
Is level-funded the same as self-insured?
Not quite. It's a type of self-insurance, but the most packaged version. The carrier bundles everything into one payment, so there's less volatility and much less admin.
How does the year-end refund work?
At the end of the year the carrier compares what your team actually spent against what they projected. If real claims came in lower, you get a share of that gap back.
What if claims run high?
The protection is built in. If claims go past what you've funded, the carrier covers the rest. You don't get a surprise invoice.
Who is level funding right for?
Teams of roughly 25 to 100 people that skew young and healthy, want a fixed number the CFO can plan around, and don't have a dedicated benefits person.
Can we go back to fully insured if it doesn't work?
Yes. Stepping back is straightforward because there's no third-party administrator contract or stop-loss programme to unwind.
What's the catch?
Three things, honestly. Refunds aren't guaranteed and some carriers cap them. A single heavy month can reset your renewal in year two or three. And the carrier still sets the plan menu, so you pick from it rather than designing it.
If we can't find a better setup than what you've got, we'll tell you on the call.
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