Funding options

Minimum Premium plans are closer to fully insured plans. Accept, they offer the ability to share risk with the health plan. Employers will fully fund their contract liability each month with the opportunity for returned funds at the end of the contract period.   

Many employers elect to protect unexpected health plan losses with reinsurance—both specific and aggregate coverages. Self-funded plans can purchase these coverages directly from reinsurance carriers on the open market.

Captive Health Plans combine the risk of many similar employers under a captive reinsurance arrangement. Captive arrangements help smaller employers access the protection they need to reinsure their health plan.