Second edition, August 2026. 32 pages, PDF.

Becoming Self-Funded

A strategic framework for employers weighing the move from fully insured to self-funded health coverage.

• What the funding structure is actually worth: a component cost model putting the structural advantage at 2 to 5 percent of total plan cost, with every input traceable to a published source.
• What implementation costs and when it pays back, with a worked example for a 1,000-employee plan and payback inside the first plan year in every scenario modeled.
• The 2026 fiduciary environment: what CAA 2026 changed, where the health plan fee litigation stands, and the recurring compliance calendar.
• A readiness assessment you can complete in twenty minutes with your advisor, plus a 15-week implementation framework.