12 pages, PDF

This paper was published under the title Becoming Self-Insured. The terms are interchangeable; I now use self-funded throughout.

Becoming Self-Funded

A strategic framework for employers weighing the move, and for the brokers and consultants advising them.

• How self-funding shifts risk and cash flow from a carrier onto your balance sheet, including the reserve and funding variability that comes with it.
• The stop-loss decision: specific against aggregate, where attachment points actually bite, and the questions to ask before signing.
• Where the savings come from, with per-employee-per-month figures, adoption patterns by organization size, and how results vary by industry.
• A phased implementation path, with the checks that belong at each stage before you commit the plan year.