Level-Funded Plans: The Fresh Solution HR Leaders (and Brokers) Are Talking About
Has open enrollment ever given you déjà vu? Same premium spikes, same limited choices… and those “Sorry, nothing we can do” calls with employees or clients? 😫 It’s time for something different. Level-funded health plans are rewriting the benefits playbook—and everyone in the know is buzzing.
Sound Familiar? HR Pain Points, Solved 🎯
If you’re an HR leader or broker, you know these all too well:
- 💸 Another renewal = another rate hike (again!?!)
- 😕 You ask for more info, but all you get is HR-speak and shrugs
- 🕰️ Too much time spent managing complaints, NOT celebrating wins
- 😤 Employees and clients get frustrated but feel stuck
- 🔮 Your crystal ball is broken—predicting costs feels impossible
Imagine if enrollment season didn’t mean stress. Imagine if employees started thanking you for the benefits package.
Enter Level-Funded Plans: Benefits, Rebooted 🟢
Picture this: same coverage options, but with new rules that actually play in your favor.
Level-funded plans combine the best of both worlds:
- Like fully-insured? Premium is predictable, month in, month out.
- Like self-funded? You share in the savings if claims stay low.
How it works:
- You pay a set amount each month.
- That money covers claims, admin, and stop-loss insurance (so you’re never on the hook for really big claims).
- At year-end, any unused claims dollars can come back TO YOU. (Yes, really! 🎉)
Side by Side: Traditional vs. Level-Funded
| Traditional | Level-Funded | |
|---|---|---|
| Predictable Costs? | ❌ | ✅ |
| Potential Refunds? | ❌ | ✅ |
| Flexible Plan Design? | ❌ | ✅ |
| Transparency? | 😬 | 🎯 |
| Network Options? | Limited | First Health, Medcost, Cigna, PHCS, Multiplan, & more! |
What Brokers & HR Pros Are Seeing (Real Examples) 👀
- One 50-life group saved over $40K their first year—just from using fewer claims!
- A broker in Texas used level-funded plans to swoop in and save a renewal. Result? A happy CFO and grateful HR director.
- An HR manager shared, “Our team loves knowing we get rewarded for keeping claims down. And the refunds? Straight back into our wellness program!” 💪
Flexibility & Features Employees (and You) Will Love 💚
- Choice of Networks: First Health, Medcost, Cigna, PHCS, Multiplan, and more—find doctors employees actually want to use
- Custom Plan Designs: No more “cookie cutter” coverage
- Cool Perks: Add extras like telemedicine, dental, vision… or keep it streamlined
- Transparency: See exactly where every dollar goes
- Consulting Support: Need to explain it to leadership or employees? We can do it, step-by-step.
Not Sure It’s For You? Busting Common Myths 🛑
- “Sounds risky.” Nope! Stop-loss insurance protects you—no runaway surprises.
- “Too complicated.” Actually, it’s set-it-and-forget-it after setup. We do the heavy lifting.
- “It’s only for big companies.” Groups as small as 5-10 lives can qualify!
- “My CFO won’t go for it.” Often, CFOs love the transparency and refund potential.
FAQ: Quick Hits 💬
Q: What if my group has high claims this year?
A: You’re protected—you’ll never owe more than your set monthly amount.
Q: How do refunds work?
A: If claims are low, the leftover $ is returned at year-end. It’s that easy.
Q: Can you help with employee communication?
A: 100%! Get plug-and-play emails, texts, and even digital enrollment meeting support.
Ready To Be the Hero This Enrollment Season? 🦸
Let’s cut through the noise—no jargon, no pressure.
- Want real savings numbers? 📲 Text me for a fast, custom quote.
- Curious about networks or rollouts? Tap “reply” with your main question—we’ll solve it together!
- Need SMS campaigns, emails, or branded enrollment kits? Just ask.
Stop settling for status quo—bring your people a fresh solution and get the credit you deserve.
✨ Your move: reply “LEVEL” or tap here to schedule a 10-min Q&A session.
Let’s make your benefits strategy something people actually talk about—in a good way! 🚀
#RefreshYourRenewal #LevelFundedWin #BenefitBoss
