Employer Sponsored Plan Funding

Policy Definition: Employers that provide health care coverage have different options to fund these benefits. The most common forms of health plan funding are fully insured, level funded and self-funded. source

Reinsurance

Policy Definition: A reinsurance program provides funds to health insurers to offset the costs of covering consumers with high medical costs. source

Alternative Funding Approaches

Policy Definition: Alternative funding approaches are being developed to support small employers, gig economy workers, independent contractors, and other entities as they may not have as much access to traditional insurance pools. In efforts to realize the savings of a larger, more predictable pool, alternative arrangements have been developed for this evolving marketplace.