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A Smart Alternative for Small Employers


Ask yourself these questions:

  • Do I have between 20 to 200 covered employees? 
  • Am I currently fully insured? 
  • Am I willing to embrace long-term cost control strategies? 
  • Do I have limited resources available to manage my health plan? 
  • Am I willing to encourage employees to become good consumers of their healthcare benefits? 
  • Do I believe you are spending more for health insurance than I should?

If you answered YES to these questions, we'd like to offer you a solution.

A self-funded health plan

A health plan under which an employer assumes the responsibility and related financial risk for paying plan participants' healthcare expenses is known as a self-funded health plan. In contrast, under a fully insured plan, the employer pays fixed monthly premiums to an insurance carrier, and the carrier assumes the responsibility and related financial risk for paying claims.

Advantages of self-funding

Self-funding allows you to reap the rewards of favorable claims experience. When claims are down, you keep the cash overage.

Other advantages of self-funding include:

  • Plan design flexibility
  • Cost control
  • Cash flow improvement
  • Lower administrative expenses
  • No state mandates
  • Improved information and reporting
  • Exclusion of most premium taxes
  • Elimination of fully insured profit margins

A ceiling on financial risk

Stop-loss coverage is often purchased to protect self-funded companies from high claims by putting a ceiling on financial risk. Stop-loss is an effective way to protect an employer from claims that exceed a pre-determined dollar amount.

Solution for today's challenges

Meritain Health leads the industry in consumer-driven health plans. We are also a leader in disease management, wellness and member education programs designed to drive down the cost of health benefits.

High touch service

Meritain Health's best in class services are comprehensive, fully integrated and customized to each client's needs.

What are you waiting for?

It's possible to make the switch and get started right away. Contact us for more information at 1.800.242.6226.