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Level-Funded Health Insurance Plans for California Employers

Intro
Level funding combines features of traditional fully insured health plans and self-funded plans. Employers make a predictable monthly payment while potentially sharing in savings if claims are lower than expected.

Who should consider level funding?

• Employers with generally healthy employees
• Groups typically with 10+ enrolled employees
• Employers looking for alternatives to traditional renewals
• Businesses interested in predictable monthly costs

Advantages

• Potential claim savings
• Monthly budget certainty
• Often lower taxes and fees than fully insured plans
• Access to claim reporting

Disadvantages

• Underwriting required
• Not every group qualifies
• Renewal rates can still increase
• California stop-loss rules limit some arrangements

Related Resources

• Section 105 HRAs
• Section 106 Employer Deductions
• Employer Carrier Directory
• Instant Employer Proposal

Call to Action

“Wondering whether traditional small-group coverage, an ICHRA, or level funding makes the most sense for your company? Email Steve or schedule a Zoom consultation.”

Then later, when you have time, expand it into a full page.

One additional thought: because you have already created the Section 105 child pages, I’d add a simple link from Section 105 saying:

“Looking for alternatives to traditional group insurance? See our guide to Level-Funded Health Plans.”

That gives you a nice cross-link without mixing the topics together.